vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I processed a transaction using my clients card for a substantial job, one that marked a significant milestone for my small concrete delivery business. This client, with whom I have been conducting concrete business transactions for several months, has been a consistent and trusted partner. XXXX successfully processed transactions ranging from {$5000.00} to {$10000.00} over this period. 

On that specific day, I ran his card for a transaction totaling {$20000.00}, representing a substantial and exciting project for my business. However, despite our established transaction history, on XX/XX/XXXX, my business checking account was abruptly closed without any explanation. {$20000.00} in funds related to this specific transaction has been placed on hold for 120 days. 

I would like to highlight that WePay, also known as XXXX, in association with JP Morgan, is responsible for closing my account. The lack of clarity regarding the reasons behind the account closure and the extended hold on funds is causing significant disruption to my small concrete delivery business operations. This had led me to send an Appeal to open my account to Wepay. 

After sending all the requested information via email with a response time that created difficulty for me to stay informed about the ongoing situation, eventually, I received the following message : We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2024. Because of the proprietary nature of our review, we are unable to share more information regarding this decision. 

This situation is impacting my small concrete delivery business negatively, especially considering the importance of the transaction. It is worth noting that I have consistently processed transactions with the same client, using the same card, and all of a sudden, my account has been closed. This closure prevents me from using XXXX, and the hold on my {$20000.00} for 120 days is a severe hindrance for a business of my nature. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: VA

Complaint narrative:
I sent XXXX letters to Experian, XXXX and Experian on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these XXXX i received a XXXX from Experian and XXXX that they didn't think the information was from myself even when i sent XXXX forms of XXXX and still my XXXX don't seem to be getting attention.

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wertjes Atkission Law PS
State: WA

Complaint narrative:
My mother entered an assisted living facility at the beginning of XXXX. I held power of attorney over her medical and financial responsibilities. When filling out the paperwork I was very specific to the facility manager that I was signing on behalf of my mother as I held power of attorney and she was unable to sign for herself. They were completely aware of the situation. I however did not know I needed to put POA after my name. I think they knew this and did not disclose to me. The facility acted very understanding and said that they would help get the VA benefits and medicaid to pay when my mothers money ran our. My mom passed in XX/XX/XXXX. Her money covered all but the last 6 weeks which was about {$6000.00}. We were told at the beginning that the VA when processed would back pay but since my mom passed before they had completed the paperwork they stopped trying to recieve money from the VA and went straight to me for payment. I spoke with the facility manager and she did a total about face about the situation and said " if I was signing as my mother why didn't I put POA after my name '' and they " would never have allowed her in if their wasnt someone who was personally responsible for the debt. '' This was never spoken about when my mom entered the facility. I refused to pay and they sent me to a collection company who until recently did nothing about the debt other than send it to the credit bureau. I recieved a phone call from the collection agency in XX/XX/XXXX and I told them that this debt was not mine and I wou ; d not be paying it. They took the information and I did not hear from them again. Yesterday I recieved a letter from Wertjes Atkission Law, PS The letter stated I had 5 days to pay the debt to the assisted living facility or I could face legal issues, additional interest, and legal fees. I feel this is a scare tactic and done as a threat. This isnt fair as at this point with interest already accruing it would be impossible for anyone to come up with that kind of money in 5 days. Plus the letter was dated XX/XX/XXXX and I did not recieve the letter until XX/XX/XXXX. The 5 days already pasted. The letter also did not state any other options or contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that Experian, XXXX, and XXXX present varying payment histories for the periods. By virtue of rule XXXX, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent Experian from disclosing personal information to third parties. Remove these accounts. 

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of 2024, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called Fay Servicing and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with XXXX, but they keep reporting this account as verified even though Fay Servicing says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from FAY Servicing to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account NATIONAL CREDIT SYSTEMS acct # XXXX has violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

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.

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 XXXX 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 2024-03-08 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: MI

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.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have sent compliant to CFPB under number : XXXX, company responded under reference case number XXXX but that answer was not correct with wrong information 's and unsatisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
This XXXX XXXX XXXX account was opened by XXXX and shall XXXX from my XXXX XXXX  by XXXX. Account number XXXX with a balance of XXXX is inaccurate and I request the company to provide me with the proof of XXXX to see how this account was opened without my knowledge. 
Delete this XXXX XXXX  account from my 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-03-08 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: FL

Complaint narrative:
I XXXX that the inclusion of incorrectly reported XXXX XXXX remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted the USAA credit card department on XX/XX/2024 because my automatic payment had not been debited from my USAA checking account on the scheduled date. I looked at my account and the automatic payment, for the minimum payment, scheduled for XX/XX/2024 had not been paid. There was a highlighted warning that, payment overdue late charges may apply, though the automatic payment had not been canceled, it just didnt function correctly. 

I spoke with a customer service representative and she was able to see the problem, but could not figure out where the error had occurred. She did research it and thought one of the problems was that XX/XX/2024 was a Saturday so the payment would not have been debited. She was unable to find a reason the payment had not been made on Monday XX/XX/XXXX, She told me the payment could already be processing and to continue to watch my checking account to check if the payment had been debited. She also told me I could dispute any late charges that were incurred. She also stated she was sending a note to the IT department about the situation. 

I, unfortunately, did not contact USAA until XX/XX/2024 because when trying to check my automatic payments I received the notice that information on accounts may not be available. My automatic payment seemed to have disappeared at that time so I, perhaps foolishly, thought it was the because there was a problem with the payment. I checked my checking account every day and the threat of late charges did not appear, so I thought they were working to resolve the problem. 

Last night, XX/XX/XXXX, I once again checked my account and the payment had not been debited and the threat of late fees had appeared once again. USAA does not have 24 hour assistance. I called today and was told that my automatic payment had been canceled. I did not cancel it and the representative I spoke with on XX/XX/XXXX did not cancel the payment. I was basically told, in not so many words, that it was my fault. I had taken screen shots of the relevant pages ( on XX/XX/XXXX ), which show the late fee statement and the automatic payment which was still in effect. 

I was told by the agent today that I had canceled my automatic payment. I did not. Automatic payments were taken out in XXXX and XXXX on time. I believe the agent today ( and I am very upset so I may be misremembering ) that I had canceled the automatic payment on XX/XX/XXXX, though on Tuesday the XXXX the automatic payment was still in effect for XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
This company started sending, bills this year. This was for my daughter 's medical bill in XX/XX/year>. I submitted an Insurance information where they could send the bill, I submitted this several times by mail and I even did via phone. Now, this year they are sending me the same bill again. But this time with different account number and wrong dates it stated they have been sending me a bill since XXXX of XXXX  when the Date of Service is XX/XX/year>.

Company response to consumer: Closed with explanation