vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check using the Chase mobile app on XX/XX/2023 for the amount of {$4100.00}. My account was restricted on XX/XX/XXXX, and later was closed. The reason given for the restriction was that the check was issued to multiple people and required additional review. I've called multiple times over the time period between then and now, and have been given multiple methods of verifying the issuance of the check by Chase, but none of them are feasible. The first method was to provide phone numbers for all parties involved in the check, which I did, but Chase informed me that they would be unable to use the provided phone numbers as they did not exist within their internal validation system. The second method was to request that the check be recalled by the writer of the check and to request them for a new one. This was extremely misleading and a waste of time for all parties involved, as Chase misadvised me to actions that were impossible for all involved parties. The issuer of the check and their bank informed me that they were unable to do so as Chase already cashed the check and was holding the funds. In summation, over the past few months, Chase has lied to me, wasted my time, held my funds, and closed my account without giving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: IL

Complaint narrative:
Please know the information on my credit report is not correct. I've listed addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a used vehicle with Lobel Financial for almost 5 years. They have received my information for insurance and I have maintained full coverage throughout the entire time. The never verify check that the insurance is still in force before charging an LDW fee on the policy. This has gone on for years. They add this fee onto your regular monthly payment. My monthly payment I make is about {$500.00}. I tried to make my payment this month and it was increased to {$730.00}. It would not allow any payment below. It would not take any form of partial payment. I talked with their representative on the phone which the company has recorded. They do not allow communications via email or give a contact number for anyone. At about 11 days past due I found a representative that was going to resolve the issue by verifying my insurance. They told me they will look into this over the next week to 2 weeks. I asked if I can just make my regular monthly payment while he resolves the issue because I don't want it to harm my credit. He said he needs to resolve it first. He told me to make sure I answer when he calls back so I can make the payment. I confirmed with their employee that while he is resolving the issue, my account would not be reported to credit reporting agencies if it made it to the 30 days past due while they are resolving the issue. He assured me that it wouldn't report to the credit agencies and I would need to make my payment once it is resolve. He did not give me any other options to pay.

Since that conversation 2 and a half weeks ago. I received a 30 day past due on my credit report. I have contacted the company multiple times between then and requested to be put in contact with a supervisor. No supervisor has returned my calls. I was able to have a representative tell me XXXX a supervisor would call me on XX/XX/23 and he did not. I called again today XX/XX/23 and was able to reach him. He said they resolved the insurance issue on XX/XX/23 after I called again. I said great I would like to continue resolving the issue and make my payment without it harming my credit like I agreed to with their representative. XXXX said they will still report it as 30 days past due. He said he doesn't have the power to resolve the issue, and even though the employee agreed to that, they can still report it. He said he will ask the Manager to call me. He refused to give me an email address, or number to them. He also refused to give me a name of who is above them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I have sent all the correct information to the credit reporting agencies and the FTC report according to the FCRA. My disputes are not being processed correctly and I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Network Recovery Inc
State: CA

Complaint narrative:
The company, Financial Network Recovery, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is Jahne Greer. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.

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 2023-09-20 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: OH

Complaint narrative:
I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX XXXX # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )

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 2023-09-20 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 XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX XXXX  # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: AZ

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 Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Date assigned : XX/XX/2023 Account status : Open Amount : {$320.00} 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 non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-09-20 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: VA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need this to be removed as it affects me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I found inaccurate names on my credit report with information which is different from my legal records when I received my first report. I requested that the company remove all information with the exception of XXXX XXXX XXXX. Upon receipt of a second report, the items have yet to be corrected. I do not know where they are obtaining OTHER VERSIONS of a similar name, but those versions are not mine. I am fearful that inaccurate information in my report will cause reporting agencies to open me up to identity theft and also connect me to accounts that are not my own. 

PLEASE REMOVE ALL NAME DATA THAT IS IN ANY WAY DIFFERENT FROM BELOW. 

XXXX XXXX XXXX ( This is my legal name )

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 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My XXXX statement for my XXXX 's account showed a remaining balance of {$180.00}, due XX/XX/2023. On XX/XX/2023, I submitted payment in full ( {$180.00} ). For some strange reason, and unbeknown to me, on XX/XX/2023, Comenity charged my XXXX 's account {$2.00} for interest on purchases. This {$2.00} amount was due XX/XX/2023. What purchases? There were no additional purchases once I fully paid my balance on XX/XX/2023. Because I wasn't aware of this {$2.00} balance due in XXXX, it was not paid. On XX/XX/2023, my account was charged another {$2.00} late fee. It was also subsequently charged another {$2.00} on XX/XX/2023. By the time I became aware of this issue, the balance due on my XXXX 's account stood at {$6.00}. 

I've never had any other clothing credit card charge interest after the balance has been paid in full! I've never missed a payment, nor been late with my payments. More often than not, my payments have well exceeded the minimum amount due. This is a shady business practice that has the potential to negatively affect my credit score, and for what? My account NEVER should have been charged anything after paying the balance in full! 

As soon as I became aware of this situation on XX/XX/2023, I called Comenity and spoke with XXXX. After consulting with his supervisor/manager he didn't remove each charge, but rather credited each one. While this clears my account, it still has the potential to damage my credit report by reporting a late payment history. I want to ensure my credit report reflects the correct payment history, absent of any late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
Earlier this year my bank account was hacked for almost {$90000.00} My Bank account was frozen unitl the issue was resolved. During that time Upstart suspended my account, and reduced my credit line by approximately {$100.00}. 

When my accunt became current Upgrade did not lift the suspension, even though my scores went back up. When I filed a complaint with the CFPB directly lifted the suspension but reduced my credit line by {$900.00}. 

It is ethically wrong and illegal to reduce my credit line due to a complaint. 
I am requesting an investiogtion in this matter and some type of sanction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
( The XXXX XXXX ) I made the payment in XXXX that paid the account balance on XXXX. On XX/XX/XXXX I received a late fee and on XX/XX/XXXX the interest posted to the account. Im XXXX I paid the remaining balance which only included the past due fee and interest there was XXXX principal balance. After I made the payment in XXXX I received another late fee of {$34.00} because {$2.00} interest posted to the account. Again the again only has fees and interest because the principal balance was completely paid off in XXXX. The credit card act advises that theses companies are suppose to keep charging fees and interest on a balance that only consists of fees and interest. All purchases has been paid off and the company refuses to credit the fee for XXXX because I paid the fees and interest for XXXX and there have been no purchases made on this account. They need to update my credit report as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The company, Credence Resource Management, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection XXXX XXXX, XXXX, XXXX, and XXXX  are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts.

Company response to consumer: Closed with non-monetary relief