vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was served by JP Morgan Chase for a credit card that XXXX XXXX XXXX is working on for me with them. The part that caused me to create this formal complaint is not that I was served, but that the person serving me had all my documents, judgement and my credit card statements with my account number, name, and address. The privacy needs to be handled better on JP Morgan Chase 's side. All my personal information was on those statements that were not protected and clearly visible to the person handling the serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> there was a check deposited from XXXX XXXX  check # XXXX in the amount of {$650.00}. at the time the check deposited it, the account was over drafted {$350.00} dollars, I was advised that the check would clear on XX/XX/year>, the check to date is still on hold by Chase Bank, The writer of the check called XXXX XXXX  to see what was going and why the check hadn't been paid to Chase Bank but XXXX manager XXXX at XXXX # XXXX stated the check had been paid on XX/XX/year> and their customer the check writer incurred a {$34.00} charge so they could cover the check. When I spoke with Chase, I was told the reason they couldn't release the check, was because they needed to verify the check had been paid. My account is now over drafted almost {$600.00} dollars over this and it's not my fault, but Chase is refunding to credit back the overdrafts fees. XXXX and the XXXX account holder stated that these funds were paid, and I must pay my rent on the XXXX, but because the account is over drafted, I won't have enough to make the payment. This is so dishearten, I'm already struggling as it is and to have a bank, I've been with for more than 20yrs respond to ne this way makes me want to close my accounts, this isn't hoe business is done, to add injury to insult you can't understand anything the Chase reps are saying because they don't speak XXXX well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
On XX/XX/year> my home was damaged and deemed unlivable due to tornado damage. My insurance company has released {$140000.00} to Freedom Mortgage to start the repair process. As of today, XX/XX/year> I have only received {$3300.00} to pay my contractor. Between my contractor and myself we have reached out well over 30 times in the last few months trying to get money released. We have supplied every single document possible, adjuster reports, supply lists, needed payments to cover supplies and labor. Since this tornado myself and XXXX children have been displaced and we have had to move 4 times. This is taking it's toll financially and emotionally on all of us. I'm paying for a home that is far from being repaired, and I'm also paying for a rental. My latest attempt to get money released started XX/XX/XXXX when I supplied the supply list they requested after another angry call to them. I was assured the check would be expedited so I could pay the contractor. Weeks have gone by now, it's XX/XX/XXXX, and still no check from Freedom Mortgage. They have absolutely no concern for the hardship they are causing their customers with beyond slow processing times. It should not take a month to receive money for repairs to a home they have a loan on. Since the start of this process the home has suffered additional damages due to repairs not being able to be made. They have almost maxed out my insurance policy coverage due to their actions, or lack there of. Over 3 months now and I still don't have a roof on my house, so each time it rains, water comes in. The supervisors are no better than the customer service call center, none of them care or make an attempt to move things along. The first inspection I requested in an attempt to get funds released was supposed to be scheduled within 3 to 5 business days. Several calls in to notify them I still hadn't heard from anyone. I kept getting told they had left voicemails, which was false. It took a month to get an inspector out to my home. Insurance has a time frame that the home must be repaired within, at this rate, there's no way this will be possible.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion fails to send me a copy of my credit report.

Claims the address change I have 2 other addresses as mailing my mail including a post office address is in which is legal address.

Transunion sent me this form to pay them by credit card {$9.00} Transunion should be stop trying to get money out of consumers by them being ones using deceit and bad practices at consumers and false gathering of errors of consumers.

Transunion has fraudlent information and incorrect information gather on my credit file as wrong information to address and data breach info.

I have also file a complaint with the US Attorney on Transunion Credit practice for money for incomplete reports.

Transunion likes to mail incomplete reports and play games with there incorrect info and data breach by of companies.

I went threw this before with Transunion an there issues and gather wrong information.

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 2024-08-08 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: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My mortgage company changed from Specialiezed Loan Servicing Mortgage to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XX/XX/2024. My first payment with Newrez Shellpoint drafted on XXXX XX/XX/2024, the first business day after XXXX XX/XX/2024, exactly as I set up my payments. Then on XXXX XX/XX/2024 Newrez Shellpoint drafted another payment of {$1000.00}. I did not instruct the company to pull this payment. I called on XXXX XX/XX/2024 and the company representative said that an additional payment was drafted in error and they would refund the money. I received a refund on XXXX XX/XX/2024. That's almost two weeks I went without {$1000.00} of my money due to " an error '' on the part of Newrez Shellpoint. A refund is not sufficient as I should not have lost access to that money in the first place. I believe I deserve additional monetary compensation from the company.

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 2024-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted Marcus Savings and Investments. I requested trade confirmations and the company said they could not provide them. They said the investment side of the Marcus Savings and Investments was sold and transferred to a company called XXXX. 

I did not know XXXX, so I opted to have the investments transferred to XXXX. 
Since the financial products were not transferable, I sold these investments. 

So, I need the records of the sale of the investments and the purchase price of the investment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-08 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-08 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-08 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-08 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been the legal Trustee of this loan since my brother 's death on XX/XX/year>. I have made monthly payments to DCU since that time. Originally, I was given access. Over the years access was lost, and they refuse to give me any information whatsoever after repeated requests via phone calls and emails. I even brought all documentation into the XXXX NH branch again in XXXX of last year. I have been constantly told they are working on getting this issue resolved. Numerous phone calls as well as emails have gone ignored! His ex wife 's name is still on the mortgage however not on the deed. I have provided them with the Quitclaim certificate and informed them my brother had died before removing her name from this mortgage. She had bankrupted my brother and forged his name on credit cards etc. She has changed her name years ago. I have allowed my brothers ( XXXX XXXX ) daughter to continue to live in his home. The mortgage has increased from {$1300.00} to {$1500.00}. Found this out through secondhand information. At the time of my brothers passing the equity in the home was XXXX. Please help me resolve this situation. The Digital Credit Union should be investigated. I have every right and am extremely frustrated. Much Thanks, XXXX XXXX I have saved emails, dates and names of all involved if required

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 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hidden fees in marked-up exchange rates are wrong and deceptive towards consumers, and it should stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: MO

Complaint narrative:
Im in complete disbelief after discovering incorrect accounts on my credit report today. I reviewed it as part of my routine, but discrepancies showed up out of nowhere. I even tried refreshing my browser to see if it was a technical glitch, but the inaccuracies stayed put. Im very disappointed and need the documents Ive provided to be reviewed carefully to ensure this doesnt happen again.

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 2024-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery, keeps calling me from spoof numbers. The company will use area codes in Indiana to make me think its someone I know. The confusion has cause me to miss important real calls. I have blocked over 30 numbers they have called me on. I plan to sue them for XXXX per call. I have been on the national do not call list and I have told them to not call this number ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : 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 UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2024-08-08 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief