vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX Re : Consumer Financial Protection Bureau Complaint XXXX Subject : Response to Chase 's Claim of First Lien Position Threat Whereas, Governor XXXX vetoed XXXX XXXX XXXX on XX/XX/XXXX. She let stand an executive order prohibiting lien sales for water and sewer charges. In addition, Senate Bill 2023-S2540 is introduced to extend the Executive Order prohibiting lien sales for water and swerve charges. In accordance with these measures, the city council has decided not to renew the law authorizing lien sales for water and sewer charges. Chase Bank can not claim a threat to their first lien position which has been nullified by the mechanism of the legislative and executive apparatus of government.

Moreover, my longstanding agreement with the Department of Environmental Protection ( DEP ) explicitly safeguards Chase Bank 's first lien position. This agreement was established to ensure the bank 's security interest in my property. Despite the clear legal landscape delineated by executive order, legislative initiatives, and my contractual agreement with DEP, Chase Bank has embarked on a campaign of predatory manipulation. Their aim is transparent : to enable foreclosure proceedings under the guise of protecting their first lien position.

Argumentation : Disregard for Legal Prohibitions : Chase Bank 's attempt to foreclose on my property disregards the executive order prohibiting the recording of liens and lien sales for water and sewer charges. This demonstrates a blatant disregard for the legal framework established by the state government to safeguard homeowners.

Manipulative Practices : By asserting the protection of their first lien position as justification for foreclosure proceedings, Chase Bank attempts to mask their predatory lending practices. The executive order, coupled with the expiration of laws authorizing lien sales, nullifies any legitimate claim by the bank to prioritize their position. 
Violation of Contractual Agreement : Furthermore, Chase Bank 's actions directly violate the longstanding agreement between myself and the DEP, which explicitly protects the bank 's first lien position. Their disregard for this agreement underscores their predatory intent and lack of respect for contractual obligations.

Conclusion : In conclusion, Chase Bank 's predatory and manipulative practices represent a grave threat to homeowners ' rights and financial security. Their attempt to foreclose on my property in defiance of existing legal prohibitions and contractual agreements must be swiftly addressed by the Consumer Financial Protection Bureau. I implore the bureau to investigate this matter thoroughly and take decisive action to hold Chase Bank accountable for their reprehensible conduct. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

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 XXXX out of XXXX 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 : 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  - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to dispute recent inquiries made by XXXX XXXX XXXX on my account with capital one. Despite my efforts, these inquiries have not been removed from your platform, causing me significant concern and inconvenience. 

On [ date ], I became aware of unauthorized inquiries from XXXX XXXX XXXX  on my account. Upon investigating, I discovered that these inquiries were not initiated by me nor were they authorized by capital one. I promptly contacted capital onecustomer service department to address this issue, but unfortunately, the inquiries remain on my account. 

I believe these inquiries are inaccurate and unjustified, as I have not engaged in any activity that would warrant such inquiries. Moreover, the presence of these inquiries on my account could potentially harm my credit score and financial reputation. 

Therefore, I am formally requesting that XXXX Bank take immediate action to remove the unauthorized XXXX XXXX XXXX inquiries from my account. I have enclosed copies of relevant documentation, including proof of identity and account ownership, to support my claim. 

Additionally, I would appreciate regular updates on the status of my dispute and a resolution within a reasonable timeframe. 

Please acknowledge receipt of this letter and provide information on the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 



Remember to include any relevant account details or reference numbers when sending the letter. Additionally, sending the letter via certified mail with a return receipt requested can help ensure it is received and acted upon promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Synovus Bank
State: FL

Complaint narrative:
For the past XXXX weeks, I have been trying to redeem {$96.00} in credit card rewards on my Synovus credit card. The app and the website keep giving me an error that prevents me from seeing my balance and redeeming it. On XX/XX/XXXX I was finally able to submit a request for redemption, however, on XX/XX/XXXX I received an email saying the redemption request had been cancelled. 

I assumed this was an IT issue but having waited XXXX weeks I finally caved in and called Synovus today ( XXXX ). I was told that " the system is down '' and I asked when it would be back up and I was told " I don't know ''. I did share with the customer service rep that I've had this issue for weeks now and she seemed unconcerned by it. 

I can confirm that no notification was sent out alerting me to this disruption in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Theres was a Wells Fargo account opened in my name in 2019 that I did not open that is on my credit consumer report with XXXX XXXX XXXX. I have sent numerous letters to XXXX XXXX  and Wells Fargo with numerous fair credit report codes telling them this is in violation of my rights because this is a negative mark on credit and is in violation of fair credit reporting act. They have yet to validate the account belongs to me or send me any evidence I been asking for in the letters. They refuse to remove the negative marks from their systems and other credit agencies system. They refuse to show me my signature in a contractual agreement proving I opened the account which I did not. XXXX XXXX and Wells Fargo are in violation of my rights. I have asked for names, addresses, emails from XXXX XXXX to prove whom they spoken to from the bank in question that validates the account belongs to me which they have not presented to me.

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 2024-05-02 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX account # XXXX, XXXX Government account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute XXXX XXXX under FRCA Section 605 B

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute XXXX XXXX under FRCA Section 605 B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: RI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 have attempted to resolve this matter directly with XXXXXXXX XXXX XXXX XXXXXXXX [ ], I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXX my wife at the Time wanted me to join her in a debt reduction of our household bills. I said sure Not knowing she is setting up a XXXX XXXXXXXX bankruptcy In our names. I found out when She had a conference call with XXXX XXXX XXXX to relay our income then I learned it was to file a bankruptcy The wife didn't include all her income under oath. After the cal I told her I don't want a bankruptcy and you lied under oath. I called the lawyer that was helping her and told him what happened and I don't what any part of a bankruptcy so he dismissed it. Now it shows up on my credit report as Bankruptcy Dismissed to XXXX. But I never went through with the bankruptcy or had it finalized It should not be on my credit report i asked experian several times to take it off it wasn't mine. But it's still on there.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is re-submitted for complaint # XXXX, which was closed without thorough review. 
It pertains to a promotional offer that I saw on a US Bank 's landing page for checking accounts. US Bank 's website confirmed that I was eligible for the offer by having me to enter my zip code. In one of the 4+ phone calls I've made to the bank regarding the promotional bonus, the representative audibly told me " You're good. They just need to speak to you to verify some information '' after I asked why they would need to call me and if I had not met the offer requirements. This should be in the Bank 's audio recordings. 
US Bank responded to my complaint by claiming that I was not the " intended recipient ''. CFPB should 1. investigate why such offer was advertised on the bank 's website if it hadn't been intended for wide audience. 2. investigate why such offer was confirmed available to the consumer after the consumer entered his own zip code. A print out is attached. 3. investigate who the claimed intended recipient is, and what does it have to do with the zip code? 
This was a predatory scam by US Bank, and CFPB must hold the bank accountable instead of simply dismissing the complaint after US Bank responded. There is a

trail of suspicious issues here!

-- ----

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 2024-05-02 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-02 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received a debt collection letter from Capio Partners LLC acct # XXXX dated XX/XX/2024. This bill had been paid in full to the hospital on XX/XX/2024. Capio Partners then placed a collections on my personal credit report. I contacted Capio Partners to inform them that they were inaccurately reporting a collection on my credit report. They asked I mail them a copy of the payment to a XXXX XXXX XXXX I did. I also emailed them proof of payment to XXXX separate email address that they provided. I followed up several days later to confirm that they received proof of payment and they confirmed that on XX/XX/2024 they had received proof of payment and would review my file. Today on XX/XX/2024 they have not removed this false collection from my credit report. I contacted them today XX/XX/2024 and again they acknowledged receiving proof of payment but have made no attempt at removing this false claim from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-02 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allen & Withrow
State: OK

Complaint narrative:
Allen & Withrow Attorneys at Law located at XXXX XXXX  XXXX XXXXXXXX XXXX XXXX AR filed a suit against me for a time-barred debt on XXXX. I contacted the attorneys office by mail stating they were in violation of the FDCPA regulations and to stop any further proceedings in court. They have failed to do so and are continuing the suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discovery closed my account credit card for an unknown issue. It seems that an XXXX dlar amount that I didnt do was due. I was failed to contact until i answered a phone call from a recurring an unknown number which was the bank. Previously I had payed all credit card debt and I payed the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called COAF to ask for a deferment on the month of XXXX 's car payment. I had also explained to them that I lost my job the same month and I won't be able to make my payment this month, but should be able to get it back on track next month. Capital One informed me that they are unable to offer any hardship assistance at anytime unless my account is already delinquent. So I was instructed to make my account delinquent by Capital One. I made a phone call today XX/XX/2024 at XXXX which is XXXX days pass my due date and I got told that capital one doesn't offer deferments but loan extensions. The operator asked me a series of question and then explained that it is system generated and I do not qualify for the loan extension. Now my credit is at risk because I was instructed to let my account become pass due to receive assistance that they now refuse to offer. I do have a 15 day grace period however, upon expiration of that I will be charged a late fee. It seems as though Capital One is looking to enrich themselves by instructing customers to become delinquent in order to receive help that they don't offer.

Company response to consumer: Closed with explanation