vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Collection Account appeared on my credit report and I have no knowledge of this account. Balance is {$400.00} and the Credit Agency is XXXX XXXX XXXX  and they claim the original loan is from Ace Cash Express. I never had a loan from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased two airline tickets ( XXXX XXXX ) and paid with my debit card ( Capital One ). The correct XXXX charges appeared, posted XX/XX/XXXX in the amounts of {$540.00} and {$540.00}. But in addition to that, another charge for the total amount was listed as pending : {$1000.00}. On XX/XX/XXXX, I called XXXX XXXX, and they said it was the bank 's issue. I called Capital One, and they said it's coming from/initiated by XX/XX/XXXX merchant hold until XX/XX/XXXX, and there is nothing they can do to release it. I called XXXX XXXX again, and apparently, nobody can do anything about it, but meanwhile, they have tied up over {$1000.00} of my money for a week! And there was no notice or indication this was going to happen. ( If I had automatic payments on this account, then all kinds of other transactions would have been declined, etc. Luckily, I do not. ) But it is not right that these large companies can keep tossing the ball back and forth, and nobody can do anything about it. They should not tie up my money for a week, especially with no notice on the website before I completed the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XXXX I learned that US Bank had a lien on my vehicle. This was a shock to me as I did not borrow any money from US Bank to purchase the vehicle. I never had a loan of any sort from US Bank. So the lien was an obvious error to me. 
I went to a US Bank branch office in XXXX XXXX, Wisconsin to get the matter resolved. The branch told me they could not assist me that I had to call an XXXX number. So I called the XXXX number to request the lien be waived. The US Bank representative told me I had to show proof of lien to them via fax before they could take any action. So I went to the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) to obtain proof of lien. I then brought proof of lien back to the US Bank XXXX XXXX XXXX and requested they fax the proof of lien. I also asked the branch manager to make a call on my behalf as I was caught in an administrative snafu and needed the lien released so I could sell my car. The manager told me there was nothing he could do to expedite the matter. So I called US Bank again to inquire about the fax and was told to email the documents to them. So I emailed the documents to US Bank. I called again. Spoke to someone who could not help me and tried to brush me off but I asked to speak to a manager. Eventually I spoke to a manager and she said she would look into it. After much back and forth the manager said she would call me back around XXXX XXXX XXXXXXXX on XXXX I am still waiting for the call back. Of course I called back. I called again on XX/XX/. No movement. I am still waiting. 
All I want is the lien released. There is no loan. How can a lien be on a vehicle when there is no loan?

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 2024-01-19 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JP Morgan Chase & Co regarding the closure of my checking account, which had a remaining balance of {$4200.00} on XXXXXXXXXXXX XXXX XXXX 

A letter from Chase dated XXXXXXXX XXXX XXXX that I received a couple of weeks later stated they restricted my account and may close it and that the remaining balance in my checking account would be sent to me by mail. However, despite this assurance, I have not received the remaining balance. Subsequent calls to Chase to inquire about the status of my funds have been met with conflicting information and an overall lack of transparency. 

Upon contacting Chase multiple times, I was informed that an investigation was underway to determine the whereabouts of my money. However, during a call on XXXXXXXXXXXX XXXX XXXXXXXX two out of three representatives denied the existence of any investigation and falsely claimed that I had withdrawn {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX I was not able to access my online checking account app since XX/XX/XXXXXXXX XXXX Yet, the last statement I received from Chase dated XX/XX/XXXX, showed a withdrawal of my remaining balance {$4200.00}, which could not have been made by me because I already lost access to the account on XX/XX/XXXX. The third person, identified as the manager, asserted that there was indeed an investigation and that Chase decided to return the funds to the XXXX senders. 

When I requested information about the specific XXXX senders, so I could attempt to recover my money, Chase refused to provide a list and insisted that I involve a lawyer to obtain such details. I find this refusal to share crucial information concerning and believe that I have a right to know the recipients of my funds. 

I also strongly dispute Chase 's claim that my money was returned to XXXX senders, especially given the number of XXXX transactions involved. And if the money was actually sent back to some XXXX senders, which XXXX sender, and it should show up as a separate transaction for each XXXX sender instead of a one-transaction withdrawal of {$4200.00}. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure the prompt return of my {$4200.00}. 

Attached with this complaint are copies of the last statement I received, the letters from Chase, and a detailed record of the phone calls made to Chase and the visits I made to Chase branches to inquire about this since XX/XX/XXXX. I also moved from XXXX XXXX XXXX state during this time and updated my address with Chase to ensure they'd mail the check to the right place. The manager in the last phone call claimed that Chase will not send a check for my remaining balance. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was denied credit ( loan ) through XXXX XXXX who used credit reports from Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E-mail : XXXX XXXX 
this is a violation as a consumer.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Jetblue ( Barclays ) has not been sending me statements by mail. I told them I want them sent from now on. They refused and said that I agreed to no paper statements and I have to deal with some company I never heard of. I told them NY law and the FCBA both require paper statements upon request and whatever I may have mistakenly said or done in the past I want them going forward and Jetblue repeatedly refused and also refused to have a supervisor respond except by phone ( I said I want a reply in writing and do not want anyone calling ).

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 XXXX  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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc
State: DC

Complaint narrative:
Verisk conducted an investigation and claims that no consumer report was found in a recent communication from XXXX XXXX XXXX XXXX XXXX. The following items ( including but not limited to ) were found in my XXXX report, which were reported by XXXX : XXXX  XXXX Source  Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my name. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my former address and connected with my name, so I am in your system. ] XXXX, XXXX  XXXX Source Details : VERISK ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is not my address. ] XXXX Source Details : VERISK  ( FORMERLY INFUTOR ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ This is my phone number and connected with my name, so I am in your system. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : 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 The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, 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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2024, an unauthorized transaction of {$4900.00} was withdrawn from my business checking account. I called the bank to report fraudulent activity and to have the transaction reversed. I was placed on hold for over XXXX minutes and never received a resolution to the fraudulent activity. Now my business account is overdrawn and I am receiving bank fees for every transaction in my business checking account. I have left a voicemail with XXXX XXXX. I have not received a response.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/24 an auto payment debit was attempted on my checking out for two separate loans from the same lender XXXX  from my Navy Federal Checking Account. That checking account had non-sufficient funds. This occurred by my mistake forgetting to change my auto pay, I find Navy Federal Credit Unions duplicate fee in the same day to be predatory and causes a hardship on the member. They have previously had a class action because of their behaviors around their fee. CFPB previously acknowledges that fee range usually as high as {$19.00}. However Navy Federal charged me {$29.00} twice. They circumvented this by putting the fee on two separate days while the transactions occurred on the same days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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:
I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) XXXXN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-19 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-19 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: MD

Complaint narrative:
I have disputed these accounts for over a year now. They do not belong to me. Im a victim of fraud. 

XXXX XXXX {$22000.00} opened XX/XX/XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} opened XXXX XXXX XXXX XXXX XXXX {$4200.00} opened XXXX, XXXX XXXX My sister opened these accounts in 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand that transUnion are supposed to report maximum fair and accurate to the consumer reports but they are causing me and my family harm due to failure of reporting accurate accounts on my consumer report the account listed below has fail to verify this account and needs to be deleted immediately I will be forced to take action and seek remedy for these damages I understand that its add up to a XXXX per violation and damages I will be seeking if not deleted immediately this is there response to the CFPB that they can not verify this account so delete it immediately

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