vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I had an XXXX business credit card with Chase. Who I opened the card they offered a large bonus for spending a lot. I did this and got my rewards bonus. 

Then I get a letter stating that I had 14 days to verify my business and that I should had received a letter stating what documents to send to verify. I never got this letter. 

I called chase several times to find out what I needed to do. They could only refer me to the letter that I never received. I asked for the letter to be resent. But it was not coming in time. I called again and the agent said not to worry that I could always reopen the account if it did not come in time. I asked him again what documents I needed to send and he told me my personal ID and proof of business address. My business is run from my home. The only document I could get in time with had my business name and address was the proof of registration of my business ( which I sent them a screenshot of ). I waited weeks for them to respond. I then got a letter stating my documents were not accepted and that they closed my account. 
I believe Chase did this intentionally to revoke my XXXX rewards points. I believe they did not ever send the first letter asking for verification. They are not willing to make this right. 

This process was convoluted and intentionally difficult. Why not list the documents I needed in the second letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: AR

Complaint narrative:
I was never legally notified of this debt, i was never aware of it when it was made back in XXXX. When i created an account with all 3 credit agencies last year I found an amount over {$2000.00} on my credit. Ive been trying to remove it since last year when I found out about it, I also never received reason and proof of the debt from the debt collector IQ Data International Inc, Ive been calling that company all day today and got hung up on, disrespected and no help. They are refusing to talk to me and the rep said shell see if someone can send me information regarding the debt on my credit. The owners of XXXX XXXX apts sold the complex in XXXX  and sold information to IQ DATA international which is illegal. They didnt go to court regarding this matter, also my 4th amendment right was violated because they publicly shared that information without me being aware of it and assumed I am responsible of the debt which is also going against 15 u.s.c 1694 c-d and other codes were violated but Im not going to put every code here but I will submit the forms and which code was violated. When I asked for the reason of debt to mailed to me I never received anything. I never validated that debt! You can not send a debt to a debt collector company without legally following the proper steps to collect a debt from someone. They didnt go to court and theres no record of this. Ive spoke with someone that used to own XXXX XXXX Apartments and she informed me that that complex was sold in XXXX  along with other information. I will upload some forms later on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
Requested to have a wire transfer from my bank, USAA. The amount I needed for the wire transfer ( for closing on a property ) was a little less than {$58000.00}. 

USAA stated that my account was " flagged '' ( or something similar ) because I had DEPOSITED some old checks, that were no longer valid. For whatever reason, they " flagged '' my account, and that wire transfers were not an option until USAA did a review. 

When I tried to resolve this issue ( I have over {$130000.00} ) in my my account, they said it was their " policy '' and the funds are not available for a wire transfer. No amount of discussion, or pushing the matter higher up changed their " policy. '' Further, if my account was " flagged '' and certain transactions were not allowed, does USAA not have a legal obligation to inform me of this? In advance? And with a remedy? I have done nothing wrong, and their representatives stated that it's " their policy, there is nothing they can do ''. 

I don't understand how a bank, in America, that caters to the military community can have over {$130000.00} of my money, and will not issue a wire transfer to me. This is made worse by the fact that they are acting like I did something wrong... the checks I attempted to deposit were too old ( totaling around {$600.00} ), and the money was not deposited. Now, they are not giving me access to my own money. 

This can not stand. This is egregious. This seems like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
My information was misused and now this unauthorized information is damaging my report. This is a violation of the FCRA because this Information is not 100 % inaccurate.

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 2024-01-26 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX  {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency substantiating their claims ( account # XXXX amount {$1600.00}. Furthermore, I have requested XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This COMPLAINT is in response to XXXX CREDIT REPORTING AGENCY recent claim that LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES collection agency, has verified that the ( # XXXX amount {$1600.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/ Navy Federal Closed My Account Due To A Mistake On Their End And Took My Account For Fraud Because Of Something They Did On XX/XX/XXXX XXXX XXXX  Navy Federal Bank Took My Hard Earned Work Checks From A Closed Account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am paying for a loan that the contract has not been satisfied. The loan I am paying is for a solar system that is not working. GoodLeap made statements that were not true so that could get the loan. This company is praying on the elderly. They said that is I would give them the money from the tax rebate that my payment would remain the same. They lied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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 2024-01-26 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: TX

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
Chase bank closed account on XX/XX/XXXX due to a check that was deposited in my account, as it needed additional verification. After I received the letter that my account will be closed within 10 days I called Chase and they told me that the balance in the account would be sent via mail in form of a cashier 's check. 
It has been 9 days and I still do not receive my check. 
I called right away as soon as I notice I had no access to my bank account on XX/XX/XXXX, and a representative told me the check had been mailed out on XX/XX/XXXX, and I should expect to receive it within 3-5 days. On XX/XX/XXXX I called again as I had receive no notification from Chase regarding the closed account, and then they told me that the funds have not been mailed because they needed additional verification regarding the last check I had deposited. 
XX/XX/XXXX, today I went to the Chase branch and they told me the check of the balance in my account should have been mailed out the same day the account closed, and they provided me with a telephone number to call Chase myself to ask about the status of the check. I called and the first time a customer rep told me the check was sent out on XX/XX/XXXX and that I should expect to receive the check of my balance by Monday XX/XX/XXXX. However, I was still in doubt because that is not what I had been told before. I called again and another representative informed me that the fund will remain suspended and nothing can be done if they can not verify the check by having the persons registered phone number. 
It is very stressful, and they also told me they could keep my money for up to 2 years if they can not verify. I do not understand why Chase hold on to a check for 10 days and then keeps the money and closes the account and need extra verification that they keep saying they can not verify even after providing them with what they are requesting. Also, they told me to contact issuer of check and have them dispute check. However issuer has informed me that the check shows its cleared on their end, and that the money has been successfully been deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX FIFTH THIRD BANK charged me 4 payments of {$19.00}, {$370.00}, {$390.00} and {$390.00} totaling out to {$1100.00}. On that day I had an automatic payment scheduled, but was called from representatives from the bank saying I had not made my payment. So I then manually putting one in through the app, but then later in the day I received more calls and was told I hadnt made a payment or they didnt work. I confidently thought I had, but the representative assured me there were none pending and no way there were any other payments going to come through. So after he heavily insisted I make a payment through the phone call I did, thinking the app was broken that Id made the previous payments on. Then in the following the days I noticed the four payments draft from the bank account equalling almost {$1200.00}. This scared me very much the amount was larger larger than even my mortgage payment and not only drained my bank account but left it negative. I spent almost two hours on customer support was hung up on five times, transferred around and ended up with no one that could help. That money was not something I had extra of, Im a XXXX XXXX XXXX single father with a XXXX year old daughter and have a very tight budget and not only did this cost me overdraft fees from routine bills to my bank, I also now can now pay my og & XXXX XXXX  and have a shutoff notice now and then the rest of the utilities will follow short behind that. That {$1100.00} they took and refused to work with me to get it back was all the money I had and all the money I had for food and essentials for another two weeks. This has left me crushed and really hope yall can help me find a solution and for others in the future, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or list of inquiries 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.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
lam 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 Commission 's IdentityTheft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
Equifax Credit Bureau continues to report XXXX XXXX, XXXX a Fraudulent Identity Theft account. I spoke with XXXX, representative with Equifax who stated that " XXXX is the original credit reporting account and that they do not have an account number. '' I asked to speak with a Manager who could give me accurate information and was transferred to XXXX XXXX, manager with Equifax. XXXX XXXX stated " this has been disputed and verified before and can not be disputed again. '' I asked XXXX XXXX to provide me with information as to how a fraudulent Identity theft account was verified by Equifax. XXXX XXXX stated " the company XXXX verbally verified the account and that it could not be disputed again. '' When I asked XXXX XXXX to send to me in writing the verification process of XXXX XXXX fraudulent identity theft account. XXXX XXXX stated that " he has given me all the information he can give. '' He then terminated the call.

Company response to consumer: Closed with explanation