vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I had my phone and wallet stolen/ lost which contained my Chase Debit Card alongside, XXXX XXXX credit cards. Immediately, as I realized my card had been lost I cancelled it, but there was a {$150.00} charge from XXXX XXXX by someone that had used my card. I cancelled my Chase debit card the very same day, and the next morning filed a police report as well. I contacted Chase for a claim on my card as a purchase of {$150.00} at XXXX XXXX had not been done by me. I uploaded the Police Report as well for my supporting claim. They initially, accepted my claim and reversed me {$150.00}. About a month from then, on XX/XX/XXXX, I noticed that they had cancelled my claim and charged my account for the {$150.00}. When I called Chase and inquired about this, they said my claim had been cancelled and as I did not provide evidence with a time-stamp and police reports are not accepted by CHASE. I was appalled as initially the Chase specialist said nothing of the sort and accepted the police report only for CHASE to tell me a month later they do not accept it as evidence. They asked me to provide evidence of time-stamp iterating I was not present at they XXXX 's where the fraudulent transaction took place like a doctor 's note or CCTV footage of me being present somewhere that was not where the transaction took place. A month later, they tell me the evidence I have provided is not enough especially when the specialist initially accepted the police report and said nothing of the sort that I had to provide more evidence. Furthermore, they claimed that since I had only disputed one transaction for that day they were skeptical. Of course, I would only dispute the transaction that was fradulent and the rest of the transactions when I had my physical card present with me were transactions I approved of. Nothing, from my spending habits would say I spent {$150.00} at XXXX in an era where I am financially struggling. As, soon as I found out my card had been stolen/lost I reported it to CHASE and cancelled it. I could not file a claim the same day, as I needed the debit card information to even log in to the telephone portal which was no longer present with me, so they are holding it against me that I filed a claim a few days later when my new debit card was present with me and I could login when it is their own automated system that does not allow to speak with a agent or file a claim until you have debit card login credentials. The worst was now its entirely impossible to find CCTV footage or timestamps for an event that happened a month earlier and the CHASE specialist should have told me there and then that they do not accept police reports and that different kind of evidence was necessary especially when they reversed me {$150.00} based on the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company is reporting an account on my credit report that is not mine, nor do i have knowledge of this said debt or any obligations, agreements or contracts with this company. This is a violation of my FCRA, FDCPA, XXXX, and more or other state and federal laws and statutes. They state that they are not attempting to collect on a debt and they they say they are. This is confusing as a consumer. Which is also a violation of my rights. We also sent is a cease a desist communication and from attached documents you can see that they where still communicating through means of median through credit reporting agency and credit report. 
15 U.S. Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 1692c - Communication in connection with debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions 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 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 2024-04-14 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also 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 2024-04-14 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Im not sure why PNC continues to call me. Since signing the new modification effective XX/XX/2024, PNC has contacted me several times on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024 when I have been making my monthly payments. PNC has a 15-days grace period policy to make monthly mortgage payments on the website. Late fees will be assessed on the XXXX day of the month. I have been harassed by PNC for whatever it is when Im making payments. Payments are disbursed from my credit union account with the expectation for PNC to receive payment by XX/XX/XXXX and XX/XX/XXXX. I would need PNC to confirm the dates payments were received from my financial institution. I also need to know, if there is 15 days grace period, why is PNC contacting me every week? Why is PNC reporting false information to the three credit bureaus that my payments are late, causing my credit score to decrease when there is 15 days grace period? 

In addition, after sending PNC the signed modification documents, they sent me additional documents stating the signed documents received the signature and the notary was in the wrong place or signed incorrectly. I will not be signing any additional documents because I went to a legit notary at my financial institution, and she has signed my documents before. Until PNC reduces the monthly payments back to my original monthly payments, which was {$1300.00}, as I have expressed before, the {$1800.00} per month is not affordable. It is PNCs obligation when applying for modification to make affordable monthly payments to prevent losing the home. I will probably consider resigning the documents for a $ 1300 monthly affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information in general. if 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 file Please remove the following items from my credit report * XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per XXXX letter received XX/XX/2023 all student loans were forgiven per Biden. All my loans were and are at a {$0.00} balance. They should NOT be reporting any negative balances or pass due still or since that date. But are. Please update. This is a federal government statement

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per XXXX letter received XX/XX/2023 all student loans were forgiven per Biden. All my loans were and are at a {$0.00} balance. They should NOT be reporting any negative balances or pass due still or since that date. But are. Please update. This is a federal government statement

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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Purchased car from American car center never received my car registration now west Westlake portfolio management has the deed and found out they want let me pay my car note or give me registration for the XXXX XXXX I want to sue also I have been getting threatened call about repossession its really sad I work hard every day why threaten someone

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
Subjet : Removal of Collection Account. 
To whom it may concern, I am writing to formally dispute a collection account appearing on my credit report which is being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am exercising my rights under the FCRA law, specifically the provisions outlined in Section 611 regarding the accuracy of the information. Upon reviewing my credit report, on XX/XX/year>, I noticed the presence of an account in collection status.I have never entered into any contractual agreement with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and I did not authorized or gave my consent for them to act on my behalf in any financial matter. This claim is erroneous. I am requesting Experian to provide me with the complete documentation they received from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX regarding this alleged debt and a signed contract with my signature on it. If Experian can not produce the information to verify the collection, Experian shall remove the disputed accounts from my credit report. I never received any goods or services from them and this violates the provisions of the FCRA law. I was told by Experian every was complete and accurate. I said, " how was that possible when I didn't know how Experian verified the accuracy and completeness? I did not received any documentation of the investigation process as I requested. I don't know how they did their investigation. I asked Experian to modify, update or delete disputed accounts. Nothing was modified when I checked my credit report. Since Experian did not fix or delete these accounts, I have requested Experian to send me a full and complete file disclosure of the investigation process. A credit report is not a file disclosure. Which is a violation under the FCRA law. I was told to call in to dispute any inaccurate information on my credit report. I was told I couldn't dispute over the phone. So I got hung up on. Another violation of my rights under the FCRA law. I have sent all the proper documentation Experian has asked for to remove these accounts from my credit report. Experian has violated my right to privacy and a consumer reporting agency can not furnish a account without my written instructions under the FCRA law. Another violation under the FCRA law. 
Sincerely, 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law chap 48,48stat.112 hjr192,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) ,15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have ONE NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.

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 2024-04-14 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: AR

Complaint narrative:
I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law chap 48,48stat.112 hjr192,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) ,15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have XXXX  NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also 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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank. I have repeatedly requested over and over and over and over for Wells Fargo to not respond to Complaints with attachments. If attachments are required, then please mail me a hard copy of responses. I can not download attachments in my situation. Wells Fargo continues to respond to complaints with attachments- possibly out of Spite!!! They finally responded to several complaint, and of course, included attachments. I can not view the W. Fargo responses to complaints, nor can I give feedback, due to the fact, as Wells Fargo is well aware, I can not view attachments. For ( 17 ) months thus far, I have been trying to collect my monies lost by Wells Fargo through allowed fraudulent transactions, AFTER I had everything in place to prevent this. I can not even tell through their responses, how much money recovered.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 non-monetary relief
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 2024-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
MY ACCOUNT AT BAN OF AMERICA WAS USED FOR FRAUD WHEN SOMEONE I DIDNT KNOW SENT MONEY TO MY ACCOUNT THEN ALSO TOOK IT BACK MAKING MY ACCOUNT NEGATIVE XXXX I HAVE WENT TO THE BANK SEVERAL TIMES TO SPEAK TO SOMEONE TO SEE IF THEY CAN TRACK WHO DID IT AND MAKE A REPORT WHICH I DID DO WITH THE POLICE, THEY DID NOTHING AND COULDNT HELP ME.I THEN CLOSED MY ACCOUNT WITH THEM FOR THE REASON THAT THEY DENIED ME HELP AFTER SOMEONE MANAGED TO ACCESS MY ACCOUNT WITH MY PEROSNAL INFORMATION.

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