vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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:
{$10000.00} from unemployment benefits XXXX stolen. Was held against my will in a store. 
XXXX XXXX XXXX XXXX  XXXX in XXXX NY. 

The cashiers stole my unemployment benefits. My husband helped them the ordeers of protections didn't work he and the cashiers that work thier have a culture in the store against me. 

Police won't help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: LA

Complaint narrative:
Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 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: LA

Complaint narrative:
Please see attached identity theft report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I made a purchase online. USAA asked me to verify the purchase, which I did. USAA declined the transaction as fraud anyway and continues to restrict my checking account EVERY DAY. 
I have more than enough money to cover the charge and acknowledge I made the charge, but USAA ( by their own internal process ) has determined the charge is fraudulent. 
USAA, however, can not explain why the charge is fraudulent, and deem my account as " fraudulent '' on a daily basis. 
I have to literally call USAA to unrestrict my account EVERY DAY. I have called customer service as well as the " Member 's Resolution Team ''. They acknowledge that there is nothing they can or will do to stop this, and it is up to ME to verify my account to access MY funds. 

****This is the most unbelievable customer service experience I have EVER had! ****** USAA ADMITS : * They don't know why ( and can not explain why ) my account has been deemed " fraudulent '' *They will continue to deem my account as " fraudulent '' and require me to call in to access MY FUNDS as long as the " system '' sees fit. 

They wouldn't even close my accounts out due to pending charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I sent letters to all 3 credit bureaus and the fraudulent and inaccurate information was not deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Back in XXXX of XXXX, My mortgage company made a switch to Mr. Cooper. During the transfer, my automatic withdrawal that have been active since I got my mortgage back in XXXX, got cancled, making me massed XXXX and XXXX payments. Spoked to a Mr. Cooper employee who assured me that there was an error during the merging on the company back in XXXX, some documents wasnt crossed over properly, however, I wont be penalized due to the fact that it wasnt tmy fault. Caught up and brought my account current. Come to find out, my mortgage has increased by {$200.00} and change. Without me receiving any notification or communication. To my surprise, yesterday my credit scores dropped by almost XXXX. Mr. Cooper had sent my account into collection, without any warning or notification. Ive never missed a payment for the past XXXX. I want to resolved this. Ive made all the necessary payments, and i would appreciate if they ( Mr. Cooper ) removed the collection from my account. Cant be penalized for systematic error or lack of proper communication.

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 2023-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ogden Holdings, LLC
State: GA

Complaint narrative:
This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XX/XX/2019 and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX  and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

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. 

Account name : CREDENCE RESOURCE MANAGEMENT Account name : XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. 

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
I closed my XXXX Credit Card approximately a month ago with Discover and at first they told me that my money would be send as a check by mail in 5-7 days. Last weekend I called and asked again where is my money, but not only nobody could help me ( they transferred me more than 8 times to others Representatives ) but also gave me the same speech that I also have to wait 5-10 days now. This is an absurd, because they messed up in the first time and I still dont have my money back! This is a unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On several occasions Ive been charged overdraft fees when money was available. Also, stop payment was requested on numerous occasions hey money was still taken several days to weeks after.

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 2023-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I bought a plane tickets using XXXX XXXX XXXX. I got sick and cancelled the flight. I had an insurance provided by a Chase Sapphire credit card. I went to the doctor and have a doctor notes confirming my sickness and clearly stating what conditions I had. I submitted an insurance claim. Until now I did not get my points back and it is already an 8 month insurance company keep asking me for new things which I keep sending them, however no meter what I had provided it is not enough for them. I am very disappointed with how Chase sapphire handling this situation and I feel that insurance on the card is simply a ripoff and a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has denied my dispute for the following company XXXX XXXX XXXX XXXX XXXX XXXX ). This company has an open lawsuit in the state of NY for this reason. Experian is ignoring all the facts put forward by me 1. This account was settled and paid in full and i even have proof of all payments uploaded here. The company XXXX XXXX XXXX which XXXX is representing failed to answer all my phones or reply to my text messages. I have uploaded here proof of the messages. I also uploaded all payments made to them during my lease. They also didn't refund my deposit!! Please see attached text message proof. Hence this account is fraud because my account was closed in full. 

2. The account opened is for an office suite which is under my company XXXX XXXX XXXX XXXX XXXX is office spaces which was renting an office to my company. They collected my personal and business information. This report should be on my business XXXX XXXX and not personal as these are office suites not rental for living. And application was done with my company. 

3. XXXX XXXX XXXX was never authorized to sell my personal information to any creditor only my company information. This is fraudulent that they used my personal information. 

I request that Experian remove this entry by 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 2023-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is showing on my credit report as charged off and is reporting every month that the account is still charged off, However i filed bankruptcy XXXX XXXX and included the company. There response was the account had charged off before i filed bankruptcy, but I did include them and the collection agency that it was sent to. They should have reported the account past due and then reported charge off for two months until i filed bankruptcy and then they should have reported the account as XXXX and stop reporting charge off every month as they are also trying to collect on that balance that was included in my bankruptcy. This has charged me higher rates on current auto loans and also denied me for other ones due to them reporting the account as still being negative. They have refused to fix the reported information on my credit. I have contacted an attorney out of XXXX that has told me to take all these steps so when we go to court i can prove that I tried every possible step to take to fix this issue. I also filed a XXXX, There reply was that the account was charged off before bankruptcy BUT the account was included in my bankruptcy charged off or not. This is my final attempt to resolve this before a lawsuit is filed for unfair reporting, and collecting on an account that was included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
Unifund has not informed me. They only informed me of a lawsuit now that they reported to the CFPB. They come up with one letter that they tried to notify me that there was a debt. They have not clarified this debt they have not shown this debt is owed by me. They have not shown original purchase agreement that shows mileage, legal legally owned this debt by my original creditor of XXXX XXXX XXXX, I also request copies and statements from open to close from this account. I want to see proof that they are legally debt collector in my state. I want to see a copy of the bond that shows they legally registered in my state. Want to see a wet signature of XXXX XXXX  contract this debt was insured and paid off by XXXX XXXX  this debt is closed. Furthermore, XXXX XXXX  has arbitration. You can also be paid with notes in negotiable instruments. Simply stating a name and address and a phone number is not clarification of ownership of a debt show me a wet signature that will be clarification by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: KY

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. Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX CO XXXX Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX, Account Number : 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 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 2023-03-04 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation