vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I previously wrote a review on the XX/XX/XXXX and had someone reach out. Since then my situation has only become worse. After waiting 5 months for my savings ( + $ XXXX ) to be cleared due to insurance we waited for the date of money being released. On that date, I couldn't log in to my account so i went to my local chase only to find out they took it upon themselves without warning to close my account and said they would now be mailing my savings to me. I was told I would receive it within XXXX business days and we are now XXXX days with no update. They gave me a tracking number that has not been updated since the XXXX of XXXX, XXXX has been called with no further update and now Chase says we need wait even longer if we want to void the check and get a new one sent. 
This is so unprofessional, I feel as I am living a nightmare. This is my entire savings they just take their dang time getting back to me. First of all, a little communication to tell me my account was going to be closed and for a reason. Secondly, we have $ XXXX just casually being sent in the mail and my entire savings. I fell like no one truly cares and just passes me along, all i am asking for is my money back and ASAP to end this nightmare. I would love for someone to reach out and make this right. Get me a new check mailed over night so we can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have several spelling variation of my name. Also there are several unfamiliar and old addresses on file. There should only be XXXX address. There are also old jobs that should be removed.

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 2024-07-29 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: NV

Complaint narrative:
I am writing to report an issue regarding the handling of my dispute letters. I submitted letters requesting verification of certain debts, providing all necessary documentation, including a notarized affidavit confirming that I am a victim of identity theft due to the XXXX data breach. Despite following the correct procedures and submitting the required documents, my disputes were not processed as expected. 

This situation has had a negative impact on my credit history, as the disputed accounts remain on my credit report without proper verification. I request a thorough review of my dispute and appropriate action to correct any inaccuracies 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I have a savings account with Marcus by Goldman Sachs. I initiated an escrow wire transfer on Friday, XX/XX/year> at XXXX. At that time, the agent told me that it would take XXXX business days for the wire to go through. Because I was scheduled to close on a home the next business day ( Monday, XX/XX/year> ), I asked if the request could be expedited. The agent put in an expedited request and said the funds should make it by Monday. 

On Monday, I called XXXX back and tried to receive an update on the funds. While trying to reach an agent, I was disconnected several times. When I finally reached someone, they said that they needed to verify information with my escrow agent. I connected them to the escrow agent, who verified the reuqested information. When I asked for the timing of when the wire would go through, they could not give me a specified time. I called back and asked again, they said the escrow information needed to be verified again. I again connected them with my escrow agent and then they said the information was already verified. 

I finally got another person on the line who said there was a hold on the wire and it would not go through until XX/XX/year>. This is XXXX business days after I initiated the request. This resulted in significant disruption to my closing. 

Further, when I tried to cancel the wire, they said they could not cancel the wire. Therefore, I do not have access to the funds being transferred ( which total {$180000.00} ), while they are in limbo. It is unacceptable for me to not be able to access these funds for longer than a week period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report withXX/XX/XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXX/XX/XXXX - XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: MA

Complaint narrative:
Account was locked early XXXX. Account was reviewed and unlocked after I opened a CFPB complaint against the company to get access to my account again. On friday, out of the blue and without any notification, Wise has closed my account and is holding all of my money in the account. I can not access my money, as I am required to by XXXX LAW. At this point access to my money and payment for damages caused to my business seems like a reasonable outcome, and will be the outcome in a small claims court case if it is not settled to here. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MI

Complaint narrative:
They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other 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 2024-07-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XXXX of 2024, my identity was stolen. 

The individual canceled my USAA credit card and debit card and ordered new cards to be delivered to an address in XXXX,XX/XX/XXXX. When I realized it, I called USAA and told them about the identity theft and canceled those cards and ordered new cards to be delivered to me at my home in XXXX A week or so later, I received the new cards. After I received the new cards, the individual canceled those cards and ordered new cards to be delivered to XXXX again. When I noticed, I once again called USAA, told them the individual still had my identity and canceled that delivery and ordered new cards to my home in GA again. 

After a month of going back and forth with USAA and getting the cards delivered to my correct address and changing all of my passwords and usernames, I checked my credit report because I'm trying to buy a new home. It turns out the individual applied for a new credit card with USAA on XX/XX/year>, and was denied. And they applied for another card or loan with XXXX XXXX XXXX XXXX XX/XX/year>. XXXX won't tell me what they applied for. 

The problem I have is that it's now on my credit report as a derogatory action and it wasn't even me! And it's hurting m y credit preventing me from being able to buy a house.

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 2024-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
The company failed to make the data breach known and kept it a secret. Thus letting thieves gain access to my information and the company offers the XXXX program as a form of pay off to keeping me from pursing legal matters due to their negligence and failing to inform me of my compromised data.. I havent accepted this experian program because it does nothing and the fact still remains that my information was compromised due to them not having measures in place and also failing to inform me when they found out so I can monitor my credit. This experian programs does nothing for me or helps me because its after the fact .. Ive paid enough to satisfy their loan. Therefore if they release their lein and return my title, i will honor me not pursuing for a larger monetary sum for damages due to their negligence. If you agree to my demands, I will not push for a lawsuit or seek anymore damages. the company acknowledges my information was leaked and acknowledges that it was their fault for my information being comprised and acknowledges through their own admission and responses that they failed to notify me in a timely matter. They know it is their fault that my information got accessed and financially ruined me. Besides the car doesnt have a engine right now and is currently at a auto shop incurring storage fees, and Im informed that the mechanic will put a lien on also, so now Ill be stuck with two liens.And lets mention the dangerous tactics their repo company had used the other month to cause danger to me and other drivers on the road with their aggressive following tactic 's. And not adhering to breach of peace law they have broke many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I was trying to pay off my balance on a HELOC ( over {$410000.00} ) with PNC Bank. They stated over the phone that the only way to pay the balance in full was to send a check or go into a branch. I was away from home and not able to do either, and they could not accept a wire or transfer for the amount of the balance. Instead, they allowed me to transfer from an external account but there was a limit on the amount and number of times I could do so ( had to be less than {$100000.00} and no more than once per 4 business days ). Therefor, it took me a series of nine payments over a two week period to pay off the balance- during which time they charged me additional interest payments. They also applied part of a payment to an interest only payment that was scheduled but not yet due. After the balance was paid off, they took an additional interest payment out of my checking account. If was able to pay off the HELOC when I wanted to I could have saved over {$5000.00} in interest payments. I've called over 5 times and escalated to supervisors, thus far no one has been able to help or provide a credit to the interest charges. It also appears that a further interest payment is scheduled for XXXX even though the balance remains at XXXX for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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 have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: LEXISNEXIS
State: FL

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 XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account nameXXXX XXXX XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account name-XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: ID Analytics, Inc.
State: FL

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 name-XXXX XXXX XXXXXXXX Account nameXXXX XXXX XXXXXXXX Account name-XXXX XXXX XXXXXXXX Account name-XXXX XXXXXXXX XXXX XXXX creditor : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have this loan on my credit and Ive not been to school in years. I did not put in for this loan nor did I authorize anyone else to apply for this loan.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon. I saw very strange things in my credit report. They look unusual and I don't know what they are. I have never give my personal information to these creditors.

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 2024-07-29 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: FL

Complaint narrative:
Good afternoon. I saw very strange things in my credit report. They look unusual and I don't know what they are. I have never give my personal information to these creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Barclay is sending INCORRECT information to XXXX, stating that my account is closed, included in bankruptcy and there was a late payment XX/XX/XXXX. NONE OF THIS IS CORRECT. 

Only the FICO Credit Report is showing the wrong information. I requested/reviewed all 3 of my credit reports on the 3 credit bureau 's pages ( they are correct ). 

Barclay is being predatory and criminal because when I did a balance transfer to another account in XX/XX/XXXX, they took away {$11000.00} of established credit limit from my account ... in retaliation of my balance transfer. They went further to retaliate against me by reporting false information to XXXX Report starting in XX/XX/XXXX. But the supposed late fee they claim was in XX/XX/XXXX. I also reviewed the CC statements and verified with their credit department, that everything was in good standing. SO WHY ARE THEY REPORTED FALSE INFORMATION TO XXXX 

AGAIN, BARCLAY 'S BEHAVOIR HAS BEEN RETALITORY. THEY COMMITTED A FEDERAL CRIME, AND ARE SUBJECT TO LAWSUIT.

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 2024-07-29 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: NC

Complaint narrative:
The account is currently reporting past due amount and missed recent payment. The account is up to date and paid up 2x in XXXX. Prior I was unable to access the account and creditor never replied for access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

DEAR, TRANSUNION WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-07-29 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: OH

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with explanation