vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my account on XXXX XXXX and told me they will cut my order to give me money back. When I check with the employee on XXXX XXXX, they told me the order has been cut. But XXXX XXXX, they told me that their legal team need to hold my money under investigation. It is totally less than XXXX XXXX  dollars and I need that money to pay my credit card. I am a student and i can not pay my credit card without that money. They told me I need find my own solution to pay it. It is so ridiculous. I do not understand whey Chase put an investigation on my account and hold my money. My money comes from my payroll, my husband and my friends. It is so crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: PA

Complaint narrative:
I have paid off my account with this institution. I made an overpayment since their payoff quote was wrong. It has now been 3 months and I am yet to receive my refund. The customer service representatives, I have talked to all mentioned that the check has been mailed. However, I have never received anything in the mail from them. I have asked that they cancelled the previous checks they issued before re-issuing a new check and tracking before mailing the check so that both parties could track and make sure the check got delivered to the correct address. The instituition was not willing to tracking the mail or send a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I apologize for the inconvenience for the delay, this was due to the break out of the Covid pandemic which I lost my job, I am humbly asking to remove the late payment record from my credit report. I would highly appreciate it! thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. 
Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. 
XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. 
Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. 
I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. 
Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. 

XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. 
Attempts to fix this have been fruitless through both entities. NFCU and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: SC

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
At the day XX/XX/, the US bank closed my account. ( My account number : XXXX ) and I have no idea why they closed my account. 
Also, I tried to call and ask to US bank customer service but they do not give me any information about the case and always automatically shut down the phone. 
I really want to know what day exact they give me back my money and the reason why they close my account because I do not want it close, they have usually used for a long time with nothing happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
2 late payments have showed up on my credit report that are not accurate at all. 

I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. 

Please help me remove my late payments so I can buy a home for my family. 

I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/2023 ) & also ( XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial continues to show a paid off account that they wrote off on my credit report. Creditor never provided me with a 1099c and has written this debt off. Elan must conform with Form 1099 IRS regulations. Please provide me with a 1099c or and remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
The loan servicer is Navient. I have been paying back this loan for 15 years and 7 months. I owe more now than I did when I started the loan. 

I co-signed for my daughter with Navient also. Her loan is the same. With every passing month, the loan is higher. If I don't pay them both, my credit will be ruined. 

I have read that this company has been sued. I asked if I qualified for forgiveness of my loans and was told that I was not. My payments total about $ XXXX. I feel certain that I have paid these loans off. 

Currently, I am a XXXX XXXX XXXX I have my federal loans forgiven. I can't understand why my loans for have not. South Carolina is a qualifying state and I am still paying on these loans. 

My loan is {$17000.00} and my daughter 's loan is over {$25000.00}. I am not delinquent. 

Thanks for indulging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: GA

Complaint narrative:
per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Received an email and invoice # XXXX today XXXX from Pay Pal stating they charged my account with a purchase o XXXX crypto currency. See attachment below. I have filed another complaint concerning this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
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 The following personal information is incorrect. Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: PA

Complaint narrative:
VXXXX 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  The following personal information is incorrect. Please remove it 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 explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: SC

Complaint narrative:
I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
Ive had a credit card with Prosper for about two months. So far, Ive had no missed payments, I pay my bills early and never carry a balance, and there have been no issues with my account. Out of nowhere, Prosper sent me an email that they decreased my credit limit in half from {$1000.00} to {$500.00} with no reason. This has been a terrible experience so far, as I only agreed to apply for this card ( connecting my bank account and affecting my credit score with a hard inquiry ) due to the limit I was promised. I need my original credit limit to be reinstated on this card or an explanation of a direct path to increasing it back to {$1000.00} right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
One of the credit bureaus, equifax had a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: TX

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
I reached out to transunion adv that I have unknow unauthorized inquries on my credit report. This is the third time Ive reached out. They informed me that I need to reach out to the creditor. Once contacting the creditor they told me to contact Transunion. mnIve then contacted transunion and informed that the inquries were not authorized by me and asked politely to remove. They informed me I have to provide paperwork from the cfpb an dthe ftc. I didnt know that unauthprized transactions can stay on my credit if im telling them its not me. These are the inquries im asking to be removed due to being unauthprized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I received a letter from Bank of America informing me that it has decided to close my A/c # XXXX, after more than 14 years of mutual business and on time payments. The letter stated : '' After a review of your account, we determined your risk profile no longer aligns with our risk tolerance ... ''. I attempted to contact B & A via phone, emails and registered mail trying to fine out the reason for their decision, but they responded that they do NOT have to tell me the reason. I've accumulated over XXXX in cash rewards balance on previous transactions using this account, which would be converted into an actual cash. I wrote them a registered mail letter making the following requests : XXXX ) credit my account with the two charges from XXXX which add up to almost over {$220.00} ( I've received emails from XXXX advising me that they have credited my account ) ; XXXX ) Re-instate my reward points and convert them to cash value towards my current balance. Then, I'll be willing to pay any outstand balance that was sent by XXXX to my account, which makes the reported information INACCURATE! It's a travesty when a financial institution acts like a COWBOY without any regards to ethical and integrity standards!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

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