vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chase Bank regarding the mishandling of a deposit and the subsequent unjustified closure of my account. 

In XX/XX/2024, my friend, while in Michigan, asked a refund of {$20000.00} from the Department of Unclaimed Properties of South Dakota, which was previously held in a XXXX account. Since she was soon leaving the U.S. and did not have a U.S. bank account, she authorized me to deposit the check on her behalf into my Chase Bank account. 

On XX/XX/2024, I received the check and called Chase Bank to confirm whether I could deposit it. The telephone representative assured me that I could deposit a check of this amount. On XX/XX/2024, I deposited the check via an ATM. The next day, XX/XX/2024, I received a notification from Chase stating that my name did not match the check, and I was advised to visit a branch to verify. 

At the branch, after verifying the details, the bank staff confirmed that I could deposit the check, noting that the only issue was the missing signatures. We signed the check, and I re-deposited it at the branch after the staff confirmed there were no further issues. 

However, on XX/XX/2024, I was notified that my account was frozen due to suspected fraud. When I contacted the bank, I was informed that the freeze was because I deposited a check from someone else and that I needed to provide a verified phone number for my friend. I explained that my friend had left the U.S. and did not have a U.S. verified phone number. The representative stated that without it, there was nothing they could do.After multiple discussions with bank staff and a follow-up at the branch, I was told to wait 10 business days for further action. 
Despite following their advice, my account remained frozen. When I contacted the bank again, I was informed that my account would be closed on XX/XX/2024, if the phone verification could not be completed. I reiterated that my friend did not have a U.S. verified phone number, but the bank offered no alternative solutions. I attempted to have the issuing bank withdraw the check, but they informed me that it was too late. Throughout this process, Chase Bank provided inconsistent information and never informed me about the necessity of a verified phone number until after the check was deposited. Besides, I suppose it is difficult for my friend to get a verified phone number when she come back to the USA, because she will hold XXXXXXXX XXXX, instead of XXXX XXXX. 

Despite following all of Chases procedures, the bank ultimately seized my friends funds and closed my account. 

I request CFPBs assistance in resolving this matter by ensuring that Chase Bank releases the funds to their rightful owner and clarifies their policies to prevent similar issues in the future. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-03 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: NC

Complaint narrative:
On XX/XX/year> I called Trans Union to have several non-mailable addresses removed from my credit report. After removing them, they lowered my credit score by XXXX points.

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 2024-09-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-03 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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:
SEE CONSUMER STATEMENT ATTACHED ALONG WITH FTC IDENTITY THEFT REPORT AND IDENTITY INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
SEE CONSUMER STATEMENT ATTACHED ALONG WITH FTC IDENTITY THEFT REPORT AND IDENTITY 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 non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXXXXXX XXXX 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 2024-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
The company is called National Account System of Omaha, LLC and their address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have verbally and in writing to response to their request for verification of debt letter and all invoices and bills. I have been asking since XXXX, XXXX the very day I found out about this. As of XX/XX/XXXX, I have received no bills and no validation of debt letter and no verification of debt letter. The only thing I have gotten from them is lawsuit dates for court hearings. I've been to court twice and still nothing from them to verify this debt.

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 2024-09-03 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: FL

Complaint narrative:
The late payments listed here do not match the way I normally handle my payments, so I would like my account to be updated with accurate details. Please correct the records right away.

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 2024-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I applied for help due to financial hardshipfor the XXXX XXXX XXXX but was denied in XX/XX/XXXX. Due to the coronavirus pandemic that began on XX/XX/XXXX, I experienced severe financial difficulty from a large rise in expenses ; however, due to my my VA XXXX compensation cause reason for denial. My application for homeowners aid was turned down by XXXX XXXX. Moreover, I was not given a reason when my mortgage lender, XXXX, rejected me from the VA XXXX XXXX program, for which I was also qualified, but told I was not eligible, but given no reason. Recently XXXX whose monthly XXXX checks from the XXXX XXXX XXXX XXXX disqualified them from receiving federal housing subsidies based on income restrictions will become eligible for the rental assistance as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In XX/XX/year> I sent an electronic payment for {$5000.00} to my Citibank AA XXXX XXXX. It was meant for another account and was erroneously sent, I understand this was MY fault. As soon as I realized the error I reached out to Citibank for a refund. My balance was {$99.00} with the card account. On XX/XX/XXXX a request was processed to refund my money and a check was sent. I reached out after XXXX more weeks and let them know my check hadn't been received. I was told another check was processed, AND would be here by the end of the week. After another XXXX weeks I called and requested an immediate wire to my bank due to the fact that after XXXX weeks I haven't received any checks! I have spoken to multiple agents and escalation managers, but no one can get me my money! 
I am accruing interest on the {$5000.00} in my other credit card account and Citibank offered miles to help with the inconvenience. Not sure if and when I will receive my money, HELP!

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 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
removal of this account from my credit profile. please see the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
Commencing on or about XX/XX/2024, I fell victim to a multilayered scam operation orchestrated by ws-booking.com which involved me making deposits for a total amount of XXXX ETH from my Crypto.com account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: NJ

Complaint narrative:
I pulled my credit report and seen some information I am unable to verify which is the CURRENT pay status being reported on this account. Please verify this pay status is accurate. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : CHARGE CARD Current PAY STATUS being reported : Paid in full, Was a 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 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The debt was sold to this agency. My credit report is showing that I am past due with this company {$630.00}. Since the original balance was never with this company, this account should not be reported as past due. I have also noticed that every few months the account balance is being reported to credit bureau increased by {$1.00} to keep it active. This appears to be an attempt to manipulate the accounts status inaccurately. When I requested validation, they used a scare tactic to force me to make payments which included taking me to court. 

Under XXXX XXXX. XXXX ( FCRA ) and XXXX XXXX. XXXX ( FDCPA ), all information reported must be accurate. Due to the inaccuracies in the reporting, I request that this account be removed completely from my credit profile. Additionally, I request that this debt not be sold or transferred to another third party. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation