vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
I had a court date that I was not aware of in time and could not appear. The debt collector sent a person to my house over XXXX when I had family over and we were celebrating the holiday. The process server was at my door at night so we did not answer the door. Then she came to the door in the morning. When I read the summons, the court date had passed. They called me every day at XXXX XXXX  for months, from XXXX to XXXX and when I would answer the phone, they would hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Payment differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXXXXXX  and this is not showing on the XXXX report. This is clearly a violation according to FCRA 611 on reporting inaccurate on 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 2023-12-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was charged an erroneous overdraft fee that caused a negative balance. The fee that caused the negative balance was reversed but the resulting negative balance fees were not and account was reported to collections Bank can not charge me negative balance fees or other fees related to their error I called and requested info and never received a response. 

Phone call was recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was denied to reopen my or open a new account. Because, I am a person XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
After multiple CFPB complaints, identity theft reports, cease and desist letters, Portfolio recovery associates is refusing to heed to ANY lawful command and acts as if they are above the law and do not have to abide by any laws set forth. 

I have received several restricted phone calls from them. As soon as i answer that i have a cease and desist order, they hang up. 

I received a call from XXXX today at XXXX from XXXX XXXX . Once i mentioned a cease and desist he wanted to place me on hold. This is unacceptable. 

ALL accounts with PORTFOLIO RECOVERY are to be removed immediately. 


I am also requesting {$1000.00} per phone call, as well as {$5000.00} for the time, resources, and anguish all this has caused. 


I am not going to go through putting all Previous communications below. FIND THEM YOURSELF. 

My next step is a police report for aggravated identity theft, fraud, and harassment as well as with the attorney general.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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:
XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX I here writing a complaint against Dave bank, first of all I had an account with Dave bank before they made bad decision to closed my account and at that time I claimed a dispute transaction from my account which I didn't use or authorized but Dave bank team members plain on me as an account holder at that time and the transaction money being taken by XXXX and I never had an account or relationship with XXXX but unfortunately the bank that I had an account that time Dave bank plain on me that I have used or authorized the money and I didn't authorize it even I never had any relationships with XXXX that am filling this complaint against Dave bank because they never gave me back my money please am requesting a help from consumer finance to consider my case thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bank at chase, I regularly transfer from chase to XXXX XXXX  using their ACH platform. This has been going on for about a year if not longer. 

Today I transferred XXXX via XXXX from XXXX XXXX XXXXXXXX to Chase and then transferred the same amount to XXXX XXXX using their ACH platform. 

After a few hours I received a call from Chase 's fraud department, after verifying my identity using public records they informed that the transfer will not go thru. 

This is unacceptable as the external account have already been verified by chase. 

Chase is unlawfully holding onto my money for no reason and this needs to be addressed and stopped as they probably do it to other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-12-14 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX  I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

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 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries are showing up on my credit profile. These are inquiries that were not authorized by me and that I have no accounts with. These need to be deleted from my credit profile right away. 

XXXXXXXX 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX reports Bankruptcy to Transunion. I did not give XXXX permission and I have asked for a freeze and deletion of my personal files through certified mail and phone calls leaving voice messages on XX/XX/23, XX/XX/23, and XX/XX/23 with no response. 
All I get from XXXX XXXX XXXX is that they can not freeze and delete my personal files and that I need to contact Transunion to freeze and delete with them. Transunion and XXXX XXXX XXXX are two different entities. I have the right to ask XXXX XXXX XXXX to freeze and delete my personal files. 
There is something VERY WRONG that XXXX XXXX XXXX will not honor my quest to freeze and delete my files and even worse directing me to Transunion to freeze there. I do not want to freeze my file with Transunion I just want to freeze and delete with XXXX XXXX XXXX. 
I have provided XXXX XXXX XXXX response to my request on XX/XX/23, XX/XX/23 and XX/XX/23 for your review. 
You will see clearly how XXXX XXXX XXXX has ignored my continued request to freeze and delete my file. 
I am making a complaint to Transunion because Transunion is allowing XXXX XXXX XXXX to continue to verify my Bankruptcy even when they know I have reached out multiple times to have XXXX XXXX and delete my file.

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 2023-12-14 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: OK

Complaint narrative:
I requested a copy of my consumer credit report I was shocked to see there were items that didnt belong to me so I contacted my bank to ask them to freeze all my accounts until further notice

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 2023-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My mortgage originated XX/XX/XXXXXXXX  with XXXX XXXX which was included in a XXXX  XXXX Bankruptcy and the debt was discharged XX/XX/XXXX. I am still residing in my home as I chose to " pay and retain '', however DID NOT reaffirm the debt nor did the creditor obtain a relief from the automatic stay. 

On XX/XX/XXXXXXXX  my mortgage with XXXX XXXX was transferred to PHH for servicing. Although XXXX XXXX discontinued credit reporting as required under the bankruptcy laws, PHH unfortunately resumed reporting my mortgage balance, payment history, etc. to all XXXX major credit bureaus. 

After consulting with an attorney about this, I have been advised that the credit reporting of the account by PHH is a direct violation of Bankruptcy Code. See 11 U.S.C. 362 ( k ) and willfully violates the automatic stay as this violation injures an individual. The law also requires the creditor to pay the individual actual damages, including costs and attorney fees, and may be required to pay punitive damages to punish this violation.

Before I pursue legal action, I am requesting that PHH provide me with supporting documentation verifying how they are able to report my mortgage to the credit bureaus when the debt was successfully Discharged in a XXXXXXXX XXXX  Bankruptcy, not reaffirmed and Relief from the Automatic Stay was NEVER obtained by the original creditor? 

Prompt and immediate attention is greatly appreciated. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX - Order confirmation. Lead time is noted XX/XX/XXXX - Email with customer service verifying production complete but shipping delayed XX/XX/XXXX - Email from XXXX XXXX notifying us of the company being sold/dissolved. 

We used the order lookup tool regularly to see the status of our order. I googled to find the name of the XXXX XXXX and filed a claim in early XXXX A status was also posted on their website and updated until XX/XX/XXXX. 

XX/XX/XXXX - Confirmation of claim and claim form XX/XX/XXXX - Received notification from XXXX XXXX  alerting us about the XXXX XXXX. Note we had already filed a claim. 

I called the XXXX XXXX in XXXX and was told the claims would not be reviewed until XX/XX/XXXX. 

In XXXX the XXXX XXXX  lookup tool was updated to indicate our order would not be fulfilled. I called Wells Fargo to start the dispute process and was told there was nothing that could be done with Wells and that I had to go directly to XXXX to see if that benefit was provided. XXXX said it was not. 

I called the XXXX XXXX again XXXX and was told the claims were under review but that no information was available. 

XX/XX/XXXX - XXXX XXXX  website was updated to indicate no claims will be paid. A dispute was opened with WF. We were told that the XXXX process was to contact the original institution and if no response was received in 120 days the charge would be refunded XX/XX/XXXX - I called and was told that XXXX had submitted the claim in early XXXX and that the 120 day window would expire XX/XX/XXXX XX/XX/XXXX - An email was received stating a different window for resolution. I was confused but didnt call in XX/XX/XXXX - Called to confirm refund was in process. Was told XXXX never accepted the claim and due to a system glitch no one at XXXX noticed, took action or notified me. I was informed they would start their own process that had a 45 day window, but that it was also being escalated to management to see if anything could be done internally. I was told I would be notified in 24-48 hours XX/XX/XXXX - I called today and was told my claim was denied and closed due to the length of time between now and the purchase This is unacceptable. I was given incorrect information multiple times by WF and now they are participating with XXXX XXXX in stealing {$4700.00} from 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 2023-12-14 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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered with my Concora Credit account. I have been a customer for approximately three years, and unfortunately, due to unforeseen financial challenges, I missed a payment in XXXX. 

To my dismay, I recently discovered that my outstanding balance has surpassed my credit limit by {$260.00}, despite my initial credit limit being {$300.00}. This has left me perplexed and concerned about the seemingly unfair practices in place. I find it difficult to comprehend how I now owe significantly more than my original credit limit. 

I understand the importance of meeting financial obligations, and I take full responsibility for the missed payment. However, the excessive overage on my account appears to be an unjust and burdensome practice. I was in the process of making a payment today to address my outstanding balance, but the exorbitant overage has left me feeling overwhelmed. 

I kindly request your assistance in investigating and rectifying this matter promptly. I believe that fair and transparent practices are crucial for maintaining a healthy financial relationship between consumers and credit providers. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief