vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check of more then {$5100.00} made out to my father into my account not before asking in the branch if I can do so they told me that if its endorsed by both parties it will work but they placed a freeze on my account when I called in to see what I can do I have been asked to provide a phone number that they can call my father to verify it I have provided all phone numbers he is using but they told me that this phone numbers are not verified I asked them what is a verified number they told me that they are using a tool that's gathering info from public records to see if a phone number is associated with this parson so I asked them to search for his name they ware not able to find a phone number for him so they told me that they are not able to verify it even when I offered them that I can have him walk in to a branch and they told me they have no option for me to verify this check in other words someone that is not on the database they are using has no way to be verified and see beck the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 2 FTC reports related to this dispute are attached.

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 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: AL

Complaint narrative:
As of today, Westlake Financial has called me XXXX TIMES, from XXXX XXXX  through XXXX. I know my payment is due, but my husband recently lost his job with the XXXX XXXX, so we are struggling. Its a {$54.00} charge to defer the payment, and we cant even do that right now. They call me at all times! Even while Im at work and can not answer. And it isnt just today. They do this EVERYDAY, once the payment due date has gone past 1 day. They will call from different numbers, leave automated voicemails, email me several times. Its harassment! From Monday through today, they have called a total of XXXX times. These numbers will range from California numbers, Pennsylvania, Georgia, and Alabama. I cant even keep track of all the numbers I have blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX and 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
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$390.00} ; XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened 2 Chase accounts in 2019 of XXXX. I went to XXXX .for a health issue on my XXXX.I gave my key to a friend well he pretended to be one ) to water the plants he stoked my checks and my credit cards he charged {$50.00} since then I had 3 XXXX  been sick, chase refuses to clear this from my account or reimburse me ) I send them tickets and proof but they dont care they dont clean it from the reports ) I need ur help please this is not fair at all ) injustice in this country please help me to solve this issue they have caused me so much stress I even send them tickets proof of passports when flew ) they refuse to clean the!!! They harass me with letters all the time thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: FL

Complaint narrative:
I just recently came down with XXXX. i reached out to all my banks ( car loans and all ) and have asked for help. im out of work due to having XXXX and am not being paid for being out of work. i can not go back until i have a negative test. i have already been out a week, and may be out for another week or 2. I owe {$58.00} on XX/XX/21 on my discover credit card. I asked if they would be willing to push my payments out a month, since i have always been on time paying and have sometimes paid way over the minimum. They are refusing to help me out. They suggested that i find someone to help me out while i go through financial hardships. They proceeded to send me paragraphs talking about lower interest rates and such, trying to bring me off the topic of me needing to push my payments out. In the end, they refused to help me out with my upcoming payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 2023-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In XX/XX/2023 we moved our home, auto, and umbrella insurance policies from XXXX to XXXX. XX/XX/XXXX, XXXX emailed us regarding our " ... upcoming policy renewal ''. On XX/XX/XXXX, we received an email with the following subject line " Your Auto Policy documents and insurance cards are available on XXXX ''. Because our XXXX policy was to expire XX/XX/2023, our new policy began XX/XX/2023. Despite having a new policy and alerting XXXX to this fact multiple times, including signing and submitting their policy cancellation document, XXXX continues to send letters requesting payment for an expired auto policy. Furthermore, if I understand the communications correctly, on XX/XX/XXXX ( also see attached letter dated XX/XX/XXXX XXXX XXXX fraudulently and without our permission extended the policy to XX/XX/2023. We never agreed to this and would never agree to having a policy with XXXX while we already have a new agent and agency. 

Today, XX/XX/2023, we received a letter from Radius Global Solutions LLC formerly XXXX XXXX XXXX XXXX, a debt collector who is " trying to collect a debt that [ we ] owe to XXXX insurance- Personal Lines. '' We paid XXXX in full for the policies ( home, auto, umbrella ) we had with them and did not renew the policies in 2023. We do not owe XXXX and were astounded that they continue to harass us and utterly shocked that they submitted this fraudulent bill to a collection agency.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR CAPITAL ONE ACCT XXXX BALANCE OWED XXXX Capital one im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent 2 certified letters validating they received my drivers license proving it's me disputing my credit report and disputed inquiries. They STILL HAVE REFUSED TO REMOVE 17 INQUIRIES FROM MY CREDIT REOPORT in the last 3 months. This is wasting my money and time. I want the 17 inquiries removed immediately. I have never known anyone to help someone else out and remove inquiries making send proof of identity. I dont know if they were being funny. But this is negatively effecting my credit score. They are fraudulent and/or unauthorized.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2023 I received a wire for {$15000.00} when the wire was received I went to wire the money to another party in US Bank called me from the fraud department and shut down my account immediately. I was told within XXXX hours a letter will be mailed to me explaining that the end of the relationship it is now XX/XX/XXXX. I am yet to have any letter and they are still with holding my funds. I spoke to the supervisor. He said that hes not allowed to speak to me cause Im no longer a client and that I would have to wait up to XXXX calendar days for my funds. There was no fraud that occurred at all in the money can be proven from the sender. US bank is holding my money, which they have the right to close my account and in the business relationship, but have not sent me any type of formal letter and they said I can wait till XXXX or XXXX at the latest. This was on a recorded line. I am requesting that US Bank release my funds as my account is still active on hold, and I have automatic payments that are bouncing left and right that are starting to affect my credit due to the fact that theyre withholding all my funds to my name.

US Bank does have the right to close accounts but I do have the right to be notified within a timely manner in a form of US mail since electronic mail is. No longer available because they have shut down my accounts but my account is still active within the bank.

There has to be some type of legal remedy and a letter that must come to me stating that my account is on hold under review, etc. etc. instead US Bank send you directly off the line stating that the department that is reviewing it and closes it will not be available to speak to anyone as they are in a secure environment I want my funds released in a form of a cashiers check his promise, and I have not received one letter or any type of communication, and when I asked for my balance, they said I could not get it because theyre not allowed to disclose it because Im not a client where are my funds

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
wrong info on my 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
wrong info on my 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
DO NOT BANK WITH HUNTINGTON!!! I went to deposit {$900.00} on XX/XX/XXXX into the atm at this location. This was for rent that was due the next day. XXXX in XXXX 's and {$200.00} in XXXXXXXX XXXX, to be exact. When I tried to submit the deposit, the screen told me the deposit could not be processed and to seek financial advisement from my institution. No money back and no receipt printed. Of course, they were locking the doors and leaving for the holiday weekend and told me to contact the fraud department. I went back through the atm to do a balance inquiry to see if maybe it had still posted. Upon finding that it didn't, I called the fraud department and reported this, even sending them the one receipt from the balance inquiry that had a time stamp. I was told there would be a rush on the credit to my account. Still took the full 10 day period. It is now XX/XX/XXXX, and they took back the credit to my account. I was told that the atm did not show an overage. So where did this money go?! The notes that were taken said they only saw me go through the atm to do a balance inquiry and that no deposit was made afterward. This would be because I made the deposit BEFORE the balance inquiry. I told the fraud department this when I reported it in the first place. So now I have bills to pay, and my account is sitting at - {$500.00}. This is beyond crooked. I am flat-out disgusted. Some people can afford to be out {$900.00}. I'm not one of them. If you're looking for a bank to XXXX you and XXXX  your trust and your rights, Huntington is the bank for you. If not, I would strongly advise you to look elswhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/23 I contacted JPMorgan Chase auto which directed me to XXXX XXXX XXXX. I settled a charged off debt in the amount of {$4300.00}. My credit report needs to be updated correctly or this account removed all together immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: MD

Complaint narrative:
Someone tried to get a prepaid credit card in my name. 
Netspend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX I did not apply for a credit card or prepaid card.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief