vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
We enrolled in JPMORGAN Chase Fraud Protection Security system, a while ago. Recently wrote a check to one of our company vendors, and Chase did not follow the instructions loaded in their Security system, the check we wrote was cashed by another person other than the intended merchant, we are out {$4500.00} and no clue when it will be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring oaks capital llc who's original creditor was XXXX XXXX and XXXX XXXX XXXX reported accounts I never opened with them, I asked them to provide me with the original contract that stated I owe debt and signed for the debt but they never presented me with it I've tried disputing these items but nothing ever happened, I'm asking that you help me get these accounts removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
during the process of calling Mr. Cooper Mortgage company, I was notified that the company was giving my information to third parties without my consent. I called and corrected this information, but they should have not been doing this without my permission or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX office of Customer Advocat XXXX HAS RECIVIED ( XX/XX/2023 ) MY WRITTEN NOTICE OF OPT OUT. 
HERE IS PROOF. I WOULD LIKE XXXX TO STOP REPORTING ON CREDIT FILE. ASAP

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
XXXX office of Customer Advocat XXXX HAS RECIVIED ( XX/XX/2023 ) MY WRITTEN NOTICE OF OPT OUT. 
HERE IS PROOF. I WOULD LIKE XXXX TO STOP REPORTING ON CREDIT FILE. ASAP

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My husband and I have had ongoing problems with USAA for at least 2 years. This complaint concerns a hacker/phisher/smisher who hacked their phone and fraud text systems. 

On the evening of XX/XX/XXXX or XXXX, 2023, the above criminal called, apparently from USAAs main number, and asked about a fraudulent transaction. He had numerous details about our account that only USAA employees should have. We spoke with him for about half an hour and then realized he was phishing. 

This individual made over {$5000.00} in fraudulent charges. We reversed them, but USAA still has not secured their systems. 

We have emailed USAAs CEO several times since then, and despite repeated direction to *only* *email* us, they continue to call from the XXXX and XXXX numbers, which are clearly not secured. We have most recently tried to reset our passwords and have not been able to. 

We advised the CEO on XX/XX/XXXX that because we are locked out of our accounts, we can not verify what we owe. They have charged us interest in spite of this. 

USAAs negligence regarding customers data violates numerous financial regulations. **We will forward all relevant emails once we hear from the CFPB. **

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from XXXX with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to Experian and other credit reporting companies. XXXX ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
When I took a car out from Santander consumer USA, my payments were really high. I never missed a car payment all I wanted was to refinance my loan but they denied it. They said after 1 year my interest will go down which it never did. So I ask them what was the right way or was a good way to deal with this. They said its best to do a ( Volunteer Reposes ) witch I did but they ended up putting it in my credit history that I got a ( Reposes ) which was a lie and now its AFFECTING me.All I want it off my credit history record. Why because I paid it off and I have the evidence. And trunk to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent Transunion a letter XX/XX/21 to speak to them about some personal information that needed to be corrected and removed. I have yet to receive a response from the agency and I feel as if they are ignoring my request.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XXXX i mailed a letter to transunion about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.

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 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX  daughter deposited a {$200.00} check her grandmother gave her for XXXX. However, on XX/XX/XXXX her bank, Capital One, made an " adjustment debit '' for the same amount claiming that the " check [ was ] deposited twice. '' On XX/XX/XXXX, her grandmother asked XXXX XXXX, Store Supervisor of XXXX XXXX, to investigate this matter. XXXX XXXX created case # XXXX and wrote a letter stating that the {$200.00} check was drawn on XXXX XXXX  on XX/XX/XXXX and that " this is the only activity on XXXX  statement for this transaction. '' On XX/XX/XXXX Capital One wrote a letter responding to my complaint. In this letter, they claim that " the check totaling {$200.00} was originally presented to Capital One on XX/XX/XXXX, and then presented at another bank on XX/XX/XXXX. We were then notified on XX/XX/XXXX, by the maker of the check and reversed funds. '' I've asked Capital One several times to provide evidence to support their claim, but they have failed to do so. 

As stated above, the check was written by my daughter 's grandmother using her XXXX XXXX checking account. Capital One 's claim that " we were... notified on XX/XX/XXXX by the maker of the check '' that the check was presented twice for payment is evidently false because XXXXXXXX XXXX has no record of such alleged second attempt. Also, according to the grandmother 's bank statement, the check was debited only once from her account. 

In sum, Capital One pocketed {$200.00} that belong to my XXXX XXXX  daughter making the false claim that the check was deposited twice when in fact it was presented only once for payment at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$48000.00}.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I reached out to Equifax in XX/XX/ and again 90 days later. They are refusing remove these unauthorized inquiries. I want them removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After several contacts and discussions with Al three bureaus I have not able to have these incorrect items from my report as they have individuals information that doesnt belong to me or match my credit activities with all bureaus. Now that I have exhausted all the remedies under their guidelines, I would request that cfbp get involved However their verification method and processes violated my consumer rights and still impeding me from utilizing my credit privileges allowed under the law. They have not send me any original documents nor did they explain why these erroneous reports are on my file. I intend to pursue this matter until deletion of all derogatory items listed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a {$25000.00} CD for 6 months with Wells Fargo at appx. 4.5 % interest. It matured, and instead of returning the funds, they reinvested them for 6 months at appx. 2.5 % with a penalty to withdraw. I asked them to release the funds, they refused. I have since gone through many calls and their so-called complaint and investigation procedure and the result is effectively " bad luck ''. When I insisted on them releasing the funds, they put me back into the complaint process. 

For reference, the current rate they are offering on the same duration CD is around 4.5 %, so they have trapped my money at approximately 45 % discount on the return i should have received. They say that they sent me a letter and I didn't respond so this gives them the right to do this. I received no such letter, and do not consent to my funds being trapped on these terms, subject to release only with penalty. 

Wells Fargo have a well documented history of acting without client consent, and it is on the record that this type of behavior is one of their business practices.

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 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Incorrect personal information on 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 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : My Identity has been stolen. Please help to remove this fraud item XXXX XXXX XXXX. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX and it need 's to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THE ACCOUNT LISTED BELOW NEED 'S TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2017 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent is engaging in harassing and aggressive tactics. Moreover, Resurgent will not provide any validation of the debt. This collection activity is in violation of the FDCPA and they should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
While I have attempted a number of times, I have yet to receive all outstanding responses to my questions, from the finance company 's perspective - Stallantis Financial Services ( SFS ), pertaining to my most recent lease. 

I was told by the dealership that they didn't want to state accurate/actual mileage on the lease contract, since it was over XXXX miles because it 'throws up red flags '. I would like to better understand this, from SFS perspective - what process and procedures are there for new lease vehicles with over XXXX miles. Would SFS ever tell a dealership this? Why would the dealer potentially have this understanding? I would like to understand SFSs view on this statement the dealer made, on behalf of the finance company/SFS. 

Related, regarding the contract, the dealer/Finance Manager did not indicate any over-mileage stipulations ( i.e., overage charges ) as part of my contract at signing and when I took possession of the vehicle. The dealer, a week later, came back and stated that the finance company/SFS communicated that I 'do not have a contract '. I would like an explanation, from SFS, whether or not this is what was communicated back to the dealership to communicate back to me, as that is what I was told. I would like an explanation of what was actually communicated. 

XXXX XXXX from SFS shared I would receive this explanation in-writing, but I haven't received to-date. Now XXXX XXXX has been unresponsive to email.

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 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is XXXX to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me. I demand you delete this non-compliant listing on my credit, or I will seek damages in court

Company response to consumer: Closed with non-monetary relief