vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Here is a rewritten version of the complaint in a format that matches the Consumer Financial Protection Bureau 's online submission form : *Complaint Category : * Bank Account or Service *Subcategory : * Account Closure *Company : * JP Morgan Chase Bank *Complaint : * I am writing to complain about JP Morgan Chase Bank closing all of my accounts, including my bank and credit card accounts, without any reasoning or explanation. I have been a customer in good standing for XXXX  years, always making timely payments and maintaining a positive balance. 

On [ date ], I discovered that all of my accounts had been closed, leaving me without access to my funds and credit. I have tried to contact the bank to understand the reason for the closures, but they have not provided any explanation. 

*Account Information : * - Account numbers:XXXX - Account types : Bank and Credit Card Accounts- Length of account history : XXXX  years *Desired Resolution : * I would like the Consumer Financial Protection Bureau to assist me in resolving this matter. I request : 1. An explanation for the account closures 2. Reinstatement of my accounts 3. Compensation for damages and inconvenience caused 4. Assurance that this will not happen again in the future *Contact Information : * - Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX MI XXXX - Phone : XXXX - Email : XXXX *Additional Information : * I have attached a copy of my account statements and correspondence with the bank. I believe that the bank 's actions are unfair and unjust, and I request that the Consumer Financial Protection Bureau take immediate action to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Under FCRA Guidelines Sequium Asset Solutions Violated My Rights according to

15 USC 1681 Section 602: Right to Privacy
15 USC 1681 Section 604A Section 2: Consomer Reporting Agencies Cannot furnish account information without written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX Debt : Debt collector : TRANSWORLD SYSTEMS INC Balance {$1100.00} Balance updated XX/XX/year> This debt has been reported to All three Credit Bureaus. This Debt was challenged ( Disputed ) by me as being identity theft and Fraud. Please see the attached document for further details. Please note that all three credit bureaus failed to verify how the Debt collector verified that this consumer lived in the State of Florida and did in fact create the debt as reported. All three credit bureaus denied removing said debt from this consumers Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX Nothing happened came back accurate XXXX  credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo changed my credit card limit that caused an negative impact to my credit score. Wells Fargo also started charging my accounts for fees each month.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, I experienced a scam through XXXX that is still not being properly resolved with my financial institution ( Bank of America ) where I filed a dispute or XXXX. 

To explain the situation, on XX/XX/2024, I was purchasing a physical item for XXXX ( {$83.00} USD ) from a seller who showed proof of having the item and agreed to ship it. I paid them the money but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I paid through my Bank of America debit card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that XXXX apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, XXXX opened a case for me in XX/XX/2024 that would eventually escalate further ( case # : XXXX XXXX due to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/2024, XXXX closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by Bank of America ( who XXXX says is responsible for that ) or XXXX ( who Bank of America says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both Bank of America and XXXX with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.

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 monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : XXXX XXXXL Account Number 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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to opt-out of my info being shared. I have not benefited from any of these transaction. Please block, delete and remove them immediately from my consumer report. The following account is incorrect : XXXX XXXX Account Number 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 2024-08-14 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: PA

Complaint narrative:
This account was charged off in XX/XX/year>. Since then, it has been repeatedly updated as charged off every month. This is an update on the payment history. A charged-off account should not include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. You failed to investigate this account properly, and your neglect has violated my rights. 

I am demanding the deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I have made bi-weekly appointments since the start of my loan in XX/XX/year>. I started making payments in XX/XX/year> so I would be a month ahead. I called in XXXX and spoke with a customer service agent about what I was going to do and if this would be accepted. She stated yes and would get this " set up '' for my account. May came, they put my payments to XXXX and not to my payments. I got a " missing payment '' call in XXXX ; that is how I found out. and was sent to excalations, they took the money from principle and applied it to my XXXX payent and assured me they fixed the issue and it would not happen again. In XXXX got another call about a " missing payment. '' I again called in and spoke to the escalators, and I was assured the problem would be fixed. They took the money form principle and applied it towards my payments. Well, in XXXX, I got another call that I had missed a payment, and the same issue has happened again. I have again been assured that the problem has been fixed. I have asked to speak with a XXXX each time and noone has called me back. I have spent an hour of my time each month taking care of this problem UWM has caused. The stress alone has been a problem ; the mental and physical toll this has taken has gotten out of hand. I can not believe a company can operate this way!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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.

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 2024-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: OH

Complaint narrative:
The company Westlake Portfolio Management located in XXXX XXXX, CA called me multiple time from XXXX XXXX XXXX after I asked them to stop calling me and my number has been on the do not call list since 2015. I told them once before not to call me so many times and they said when I am late on a payment then the calls start and when I pay them the calls will stop. My payment was due on the XXXX of every month and the day I was late then calls would start. from XXXX XXXX XX/XX/XXXX this company called me XXXX times within 7 days. They called me over 4 times some days and these are times that I am at work, in meetings, trainings or with clients. The calls were very aggressive in terms of call volume and I have screenshots of all of the calls. The number used that the calls came from was XXXX. On XX/XX/XXXX they called me 6 times in XXXX day. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. To me this is very excessive to call someone 6 times in XXXX day. This company uses multiple numbers to make calls but this number in particular called me XXXX times within a 7 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with TransUnion be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The Inquires are XXXX. XXXX - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX XXXXXX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Financial Services dba Discover Bank has been reporting my personal and private transactional information to third party credit reporting companies without my express written consent, in violation of the FCRA, FDCPA, GLBA and my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C.

1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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