vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This transaction happened in the year I opened my account through my accountant at Chase Bank on XXXX in XXXX after I had been working there in XXXX as a teller and banker. I transferred my XXXX from the XXXX in XXXX XXXX XXXXXXXX that I used to work at in college as well as some other XXXX and career and business earnings. The total was XXXX XXXX that I invested in my account. 
I was approached by a home developer who wanted me to invest in his housing and buy a neighborhood he had just built. I told him I would consider his business deal. So, I told the bank president I would like to complete this transaction with the builder. He was supposed to meet me at the bank but never showed up to finalize The president told me she would draft a contract or bill of sale for the neighborhood development which has the building company business name on it for a loan against my account from the bank entitling him to sign the completed contract and accept the money in my account. 
My ex husband and father of my XXXX children is currently working as a manager at the bank since I left, and he had the name on my account changed to the name of the builder. So I can not access my account, nor receive money nor make transfers and I believe this is an error because i was told that this was not going to happen as part of the loan process through the bank and its presidents office and I feel i am being violated as a customer by how and when I can spend my money. My checks are not being accepted anywhere and XXXX cant pay my property taxes or support myself. I am barely surviving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

List of Disputed Accounts : XXXX XXXX  XXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 
I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. 

Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and you will promptly address 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 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I spoke with the representative of the company, Care Credit Synchrony Bank and expressed my concerns about the late fees. I informed him that I had checked the website for the time frame for late fees to be added to the account. I had informed him that I had observed a XXXX day grace period. I also informed him that I had been informed of this when I applied for the credit card. In turn, all he stated was he couldn't remove the late fees.I also informed him that I had no problems with a few of the late fees. But, the ones that were applied before the XXXX day grace period should be removed. How could I have accumulated a bill of more than a XXXX dollars in such a short period of time? The representative had no reply. I kept asking, but received no reply. All I needed was a few simple answers to a simple question. I'm one consumer that tries to keep track of bills/ debts. I try to keep track of my finances, debts, and credit payments. I'm just trying to get some answers. The issue started in XXXX with late fees. But, was fine in XXXX. But, has continued to the present day.

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
SOMEONE OPEN A CHECKIN AND SAVING ACCOUNT IN MY NAME AND WROTE BAD CHECKS

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 2023-11-28 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: NY

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 

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

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 2023-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Education Principle Foundation
State: FL

Complaint narrative:
I transferred to XXXX XXXX XXXX University in XXXX from XXXX XXXX Upon my acceptance, I was awarded scholarships and federal and private student loans. After completion of the program in XXXX, I attended graduation and walked the stage. However, I received an empty diploma holder and inquired about the status of my diploma. The school acknowledged that I completed the requirements to graduate but said they would not issue my diploma until the remaining balance of the private student loan was paid in full. I've inquired several times over the last XXXX  years, even stating that they were violating my rights and they still didn't provide my diploma. As of XX/XX/XXXX, the school is closing nationwide and I still have not yet received my diploma. 

I filed a complaint against them in XX/XX/XXXX. They initially contacted to ask what I needed. They gave me a website that did not have what I needed and have not sent my official transcripts or diploma. When I contacted them after trying the link, my email was blocked from being delivered. See previous complaint # XXXX for pertinent docs. New complaint doc attached.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-28 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: KY

Complaint narrative:
Trueaccord will not stop texting me even after replying stop multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: MI

Complaint narrative:
Sometime in XXXX of this year, I got a letter claiming I owe $ XXXX for " driving without a license '' in Texas XXXX I have never been to Texas nor driven outside of being taught how to drive when I was XXXX or XXXX. They've been bombarding my mother 's work with calls asking for me. The latest being XX/XX/XXXX. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management stole my personal vehicle on XX/XX/XXXX from XXXX parking lot at XXXX. The XXXX address is XXXX XXXX XXXX, XXXX GA, XXXX. 

I reported the stolen at XXXX with A XXXX XXXX XXXX and received a case number On XX/XX/XXXX at XXXX, I spoke with XXXX and requested evidence of the original contract. I also requested evidence that I gave Westlake Portfolio Management permission to obtain my securities. XXXX ( XXXX ) informed me he would have to transfer me to his supervisor XXXX XXXX to speak about the securities. XXXX also informed me that he put in a request for evidence of the original contract. 

On XX/XX/XXXX I called at XXXX and spoke with XXXX ( XXXX ) and she transferred me to XXXX XXXX her supervisor. XXXX gave me the personal number to XXXX XXXX. In the voicemail, I demanded evidence of the original contract which is an asset. 

on XX/XX/XXXX @ XXXX XXXX. I spoke to XXXX who transferred me to XXXX XXXX, the individual who has been working on my file. I informed XXXX that the time allotted XXXX hours for the contract has almost passed. He informed me to keep calling back until I received the email. As of XX/XX/XXXX, no contract has not been received. 

on XX/XX/XXXX I spoke with XXXX and emailed my notarized XXXX certificate of origin document to Westlake as evidence that it is my personal vehicle and Westlake in conjunction with XXXX is restricting my constitutional right to travel.

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 2023-11-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
to whom XXXX concern i own a XXXX XXXX XXXX XXXX XXXX, somebody open a credit card under my name i didn't authorize it for some reason it appear on credit i filled a police report they never removed it this not fair to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with Equifax and XXXX ; regrettably, the matter remains unresolved to date. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX  # XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare have send me ANOTHER loan modification due to non-payment! 

XXXX. Their telephone XXXX is NOT working 'loancare phone system is currently down ' XXXX. Their server is not working! https : XXXX is NOT working XXXX. They are NOT sending me my statements. 

XXXX. They are NOT responding to my emails!! These are the list of emails I've found. any other emails com back with do-not-reply message! 
XXXX XXXX XXXX XXXX. They want to add another year to my mortgage term so instead of XXXX, they want to change my loan to XXXX!!! 

XXXX. I pay my own property tax. 

XXXX. I pay my own insurance on my property, but they keep putting me in an XXXX  account!! 

PLEASE HELP. 
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 2023-11-28 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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

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 2023-11-28 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: MI

Complaint narrative:
I trust this message finds you well. I am writing to address a matter of utmost importance regarding my credit information. Regrettably, I have discovered that my personal data, compromised as a result of the Equifax data breach, has been illicitly sold and purchased. 

Enclosed with this correspondence is irrefutable evidence affirming Equifax 's acknowledgment of my status as a victim of the aforementioned breach. Despite their acknowledgment, there has been a conspicuous lack of remedial action on their part, leaving my credit reports tarnished with unauthorized accounts. 

In light of these circumstances, I kindly request your immediate attention to rectify this situation by expeditiously removing the unlawfully acquired accounts from my credit reports. Your prompt assistance in addressing this matter would be greatly appreciated. 

l am at your disposal to provide any further documentation or information required to facilitate the resolution of this issue. Your cooperation in expediting the removal of these inaccurate entries will not only alleviate the financial burden imposed upon me but also restore the integrity of my credit history. 

Thank you for your prompt attention to this matter. I eagerly anticipate your assistance in resolving this issue in a timely and efficient manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: LA

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-11-28 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 requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I signed into my account. They said they wanted to send a text message to the phone number XXXX after XX/XX/23 i am no longer the owner of this phone number. I attempted to gain access to the account through my passport. I sent them a picture of my face, and a photo of my passport. They sent some automated message saying they were unable to verify me. Any other avenue of contacting them was met with a prompt to sign in, which is impossible at this point. They are making it impossible for me to access the account in an attempt to defraud me from the thousands of dollars in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation