vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I started paying bi-weekly as of XX/XX/year> and chase bank have made it nothing but impossible to track my payments. Currently there's XXXX payments being " held in unapplied accounts. '' I am currently 2 months ahead but they aren't " applying my payments '' to the loan and are just holding my money XXXX. There's a total of {$3400.00} being held and not applied to the payments. When I initially called them out on it they tried to make me jump through extra hoops and asked me : in the year XXXX to fax them some documents because they lost or couldn't find my payments. I was using my online banking bill pay. When I said no that's ridiculous I can send all the information I need to via the secure chat feature and I'm not sending you a fax. Find my money. Suddenly they " found my check. '' So to try and appease them I switched over to their auto debit of biweekly payments that way. Which led me here. As I have discovered they are yet again holding the money and not applying it toward the payments. And whenever I ask about it I'm given the run around with all sorts of bs and no actual answers. I'm also XXXX because I didn't finance this loan through Chase for this very reason of them being shitheads. They unfortunately bought our loan so we have no other options. It's not like we're going to throw away that XXXX % interest rate. Maybe they're hoping if they're a XXXX enough service I will. But jokes on them I'm a petty XXXX too and won't take no for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX  XXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
This complaint is regarding a new savings account I opened with XXXX Webster Bank on XX/XX/year>. After being approved for the account I enrolled in online banking and registered for external transfers to fund my account. I received a confirmation from Webster Bank stating " Congratulations! The registration process enabling you to transfer money to your external accounts is now complete. '' I also received a confirmation from my primary banking institution, XXXX XXXX, confirming the account sharing with Webster Bank. Using the Webster Bank online platform, I initiated a transfer of {$34000.00} from XXXX XXXX to my new Webster Bank account. Later that night I received an email from Webster Bank that my transfer was stopped " for security reasons. '' No additional information or remedial action was provided by Webster Bank at that time. I then attempted to add the Webster Bank account to the external transfer profile of my primary XXXX XXXX bank account. XXXX XXXX required account verification by making two small trial deposits into the new account which I was to see and verify. 
On XX/XX/year> I received notification from Webster Bank that my External Transfers profile was suspended. 
On XX/XX/year> I attempted to log into my Webster Bank account but was unable to. I called the customer service number and spoke to XXXX XXXX. He did not permit me to view my account but essentially circumvented the intent of the XXXX XXXX verification deposits by reading me the value of the deposits. Additionally, he required a copy of my XXXX XXXX bank account statement in order to verify the account. He sent an email to me while we were on the phone requesting a copy of my bank statement and drivers license. The email did not come from the same " Webster Bank '' address as the previous emails but came from " onlinebanking. '' Replying to the email, I expressed that I was uncomfortable transmitting sensitive information about my account via email, but no other option was provided to me. I requested access be restored to my Webster Bank online banking account but XXXX maintained that the XXXX XXXX statement was required to regain access to online banking. I suggested the following hypothetical to which I received no further response : " Hypothetically, if I no longer wish to fund the account from XXXX XXXX, there should be no need to provide sensitive information from another institution in order to access my XXXX account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..

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 2024-05-09 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Dissolution of marriage in XXXX of XXXX. Wife stayed in home. Divorce decree states she was to keep home and fulfill mortgage payments. She had me sign a Quit Claim Deed. Chase Home Finance informed me after I discovered my name is still listed as primary mortgage holder on loan that I could not have my name removed from the mortgage unless the mortgage was satisfied by either a refinance by my ex wife or by the home being sold or the mortgage being satisfied by being paid off. It is my understanding that since I am the primary on the mortgage and a XXXX  using the VA Loan benefit on said mortgage, my name must be released from the mortgage and my ex wife can not benefit from the VA Loan conditions since I am no longer living there and she has taken possession of the home as of XXXX XX/XX/XXXX. I have not lived there since early XX/XX/XXXX. The Divorce decree was issued on XXXX XX/XX/XXXX. Chase Home Finance customer service has refused to take into account that the mortgage was a VA backed loan and did not make any effort to rectify this situation when I called twice. They did not investigate nor did they seem to comprehend my position. I have waited 13+ years trying to get this taken care of. Meanwhile, the mortgage amount has counted against my income to debt ratio when trying to buy anything. I can not buy a home of my own nor anything else of substantial value. She immediately moved in her boyfriend in XXXX of XXXX and of course he is not on the mortgage but is enjoying the home I built and I have been homeless twice since XXXX. This situation has caused undue hardship on my creditworthiness, financial stability and living conditions. I ask that this be investigated so that I can move forward financially and be able to take advantage of my VA Loan Benefit and purchase a home. I can not obtain a mortgage while Chase Home Finance and my ex wife refuse to adhere to the provisions of the VA Home Loan Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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 am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: World Acceptance Corporation
State: OK

Complaint narrative:
Innacuracies on my credit report and lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-05-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXX/XX/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 2024-05-09 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: NY

Complaint narrative:
I do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no 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 non-monetary relief
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
I do not own the alleged debts seen in my credit reports I disputed accounts on my credit report and there was no change. So, I sent a notice of inaccurate furnishing to each consumer reporting agency. 

There was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I've been renting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have requested to terminate my contract and moved out of state and they ask me to pay one month penalty fees and I paid it after I moved out I called them about security deposit and they told me is they send approval to corporate unfortunately after 3 months they denied my refund and manager she didn't want to explain me why because she knows she didn't a mistake by giving me wrong information which caused to loose my refund, After couple months I received the letter from collections telling me I owed my former landlord {$320.00} and I called the manager multi time she didn't picked my calls and I've written the emails till now no response asking the which reason of {$320.00} they are charged me for because I've pay my last month of lent and Ion inspections they don't find any damages Before ei moved out or the house and now I don't why they sent me on collections because they have my new address they never send any bills to pay after I moved out. For Collecting on XXXX XXXX I send them a letter requesting DEBIT VALIDATION they never send those information as listed 15USC1966G however XXXX XXXX they send another letter saying if I am not paying them they are going to report me and my wife on credit bureaus. Their contact is XXXX and XXXX by XXXX XXXX XXXX Representative works for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .They are try to collect the money I don't own

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 explanation
Consumer complaint received 2024-05-09 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: NY

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/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 2024-05-09 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: PA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief