vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I reported to Chase on XX/XX/XXXX that they over paid property taxes for my home in XXXX. This mortgage was originally with First Republic Bank and converted to Chase in XXXXXXXX XXXX XXXXXXXX. At the time of conversion, my property taxes ( PILOT program ) had all been paid. Chase subsequently paid an additional {$18000.00} to the county ( incorrect amount and person ). Upon reaching out, I was told they received a bill from the county, this was incorrect, then continue to receive notices that they will look into it. Upon receiving my escrow analysis from them it clearly indicates that this was incorrect, individuals have admitted it on the phone, however have yet to make any sort of corrects. We are now at two months since I reported this and no progress has been made to refund my escrow account for their fraudulent payment. Additionally, they provided an incorrect 1098 form and will not make any amendments to it inorder to reflect the proper information. 
Essentially, they have made an unauthorized fraudulent payment from my escrow account and are unwilling to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. The appearance of late payment remarks on my accounts is bewildering, particularly in light of my adherence to 15 USC 1666b - Billing Error.

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 2024-03-29 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my 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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I received a call late in the evening from a representative in broken XXXX  stating that it was an attempt to collect a debt. They had information such as address and partial date of birth and pressed hard for me to confirm additional information that I did not provide. 

They said that the debtor was XXXX and that it was sent to Southwest Credit Systems, and they asked for {$100.00}. I shared that I was in good standing with XXXX XXXX and do not owe the money. It's at that point the caller was very abusive and demanding for information. At this point this seemed very sketchy and said that I would follow up with XXXX XXXX to see and hung up. 

I called all departments with XXXX XXXX and as was my thought I was in good standing and nothing owed. XXXX XXXX also shared that they never send anything related to memberships to a XXXX XXXX XXXX, if someone doesn't renew a membership they just cancel. Chief Legal council with one of the organizations is in process of following up. 

That confirmed that Southwest Credit System is running fraudulent scams. In addition, in filing a complaint with the XXXX, there was another complaint exactly the same as mine. Identical to what happened to me.

SWC Reported this to the Credit Agencies. One credit reporting agency promptly removed as they could see this is fraud, the other 2 have not as of yet. 
I reported to the Attorney General, The XXXX, and currently in process of reporting to law enforcement and the FBI. The damage SWC is causing to the public is outrageous and I want this removed from my credit and to whatever extent I can protect myself from this evil.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Wells Fargo has engaged in unfair acts and practices in violation of the Consumer Financial Protection Act. Wells Fargo fails to return consumer funds in a timely manner after closing consumer accounts. Wells Fargo engages in the deceptive practice of lying about mailing the check after closing of the account, and then the bank unlawfully withholds consumer funds for 90 days for what it calls a " waiting period '', without recourse, without paying interest, in violation of the law. 

I had a checking account with Wells Fargo with a balance of {$6000.00}. Wells Fargo closed it on XX/XX/2024. Wells Fargo failed to return my money to this day. 

On XX/XX/2024, I visited a Wells Fargo branch and asked for my funds, they said they are unable to do to so and can only mail me the check. I waited for weeks, no check. I called them, they claimed they mailed it but failed to provide me with any tracking info. They sent me a " declaration form '' that I need to sign in order to re-issue the check. The declaration form contains provisions asking the consumer to defend and indemnify them for any legal action involving fraud with the check. This is very oppressive and deceptive practice, since Wells Fargo is asking consumers to shoulder the burden of Wells Fargo 's legal fees, for a check that Wells Fargo negligently failed to provide tracking on. It was Wells Fargo 's responsibility to deliver checks with tracking confirmation to make sure it reaches the consumer. 

On XX/XX/2024, I called Wells Fargo again to inform them I refuse to sign the declaration form, I asked about proof that the check was mailed to me, the rep informed me there is no tracking info and that the check went out regular mail. I was also informed that even if I signed the declaration form, there would be a 90 day " waiting period '' to get the new check. That's when it occurred to me what Wells Fargo is doing : they are lying to consumers about mailing out checks, and keeping consumer funds for 90 days, without recourse, without paying interest. This practice is in violation of banking laws and consumer protection laws. Someone needs to look into Wells Fargo 's illegal practices in order to protect consumers.

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 2024-03-29 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:
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 Account Number : XXXX has violated my rights. Or a 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2024-03-29 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: 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.

has violated my rights. Or a 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 explanation
Consumer complaint received 2024-03-29 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: NC

Complaint narrative:
A false inquiry came up on my credit report because someone tried to open up a credit card at XXXX XXXX. I would like this removed off of my credit report 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 non-monetary relief
Consumer complaint received 2024-03-29 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.

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 2024-03-29 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: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I recently had my debit card stolen with my phone and got charged a total of {$6900.00}. I tried to claim fraud to Bank of America but they denied my claim.

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 2024-03-29 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:
I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is a copy of my identification and sworn affidavit to ensure my identity.

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 2024-03-29 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: IL

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.

has violated my rights. Or a 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 2024-03-29 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: PA

Complaint narrative:
These inquiries were conducted without my consent, and I am unaware of them.

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 2024-03-29 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: FL

Complaint narrative:
On XX/XX/2024 XXXX XXXX XXXXXXXX XXXXXXXX XXXX  added a derogatory on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: TN

Complaint narrative:
Requested a copy of my consumer file. Proof of my identity was sent. ( Utility bill, Copy of SSN and DL ). Did not receive my consumer file but a letter stating " Unable to Process request "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Citibank Savings ( CitiAccelerate ) account was frozen/blocked due to inactivity in XX/XX/XXXX. I didn't discover this until XX/XX/XXXX when I tried to transfer some funds TO the account. I believe that Citibank did notify me that the account is now blocked. I didn't respond. However, when I called the XXXX number on the back of my card, they told me I needed to go to a branch or send a letter. No branches where I live, so I said I would send a letter. They gave me specific information to put in the letter, I asked if I needed to send the letter certified or overnight, they said no. My 1st letter was sent on XX/XX/XXXX. No response. I called back after XXXX, and again they told me to send the letter same address with the same information. I sent the 2nd letter on XX/XX/XXXX. No response. I called again, this time, I sent a 3rd letter via USPS with a tracking number and it was delivered on XX/XX/XXXX. I called to follow up and was told my request to unblock my account was denied because the signature was not Notarized. At no time during any of these multiple phone calls I made to Citibank, did anyone ever tell me I needed to have my signature notarized. So finally, I went back to my online banking and looked at my messages and found a form to complete to unblock my account with a notary block on it. All of these phone calls I made to the Customer Service number, and not one person ever suggested or told me there was a " form '' I could complete to reactivate my account. So I sent the " Citibank Form Document '' with my signature Notarized and it was delivered on XX/XX/XXXX. I called to follow up on XX/XX/XXXX and spoke to XXXX. She said she would send an email to her back office team with the tracking number and to call back in 2 or 3 business days. So I called back today, XX/XX/XXXX and spoke to XXXX and he said no resolution and he would send another email to his back office team with the tracking number. Its been too long. I need my account reactivated. I have made over 10 calls to this customer service team and no one ever follows up. My time and energy spent on this is frustrating. Dates of all phone calls are below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Several phone calls were made in XXXX, but i need to pull my phone records.

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