vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX of XXXX, i called chase customer service to report un authorize transactions. I was told a claim was filed. a week after i called back to follow up. I spoke to XXXX ( representative ). she said that the claim was closed due to incorrectly filed. that same day XXXX was able to assist me to open a claim and I went to the nearest Chase brach to verify if it was correctly opened this time. i also requested the bank if i its possible to close the account and re open a new one and change all the Credit/debit card since i'm no longer comfortable using it. i was told that the account can not be closed only restricted since a claim was opened. Since XXXX, I don't have access to my online account until recently in XXXX, they reinstated my online access. Every week i called customer service to follow up my claim and XXXX ( claim department representative ) he was assigned to help me with my claim. he told me that my claim was denied due to these reasons : theres no changes made to the account information nor device registered on the account. i also asked him how come nobody notified me of the transactions? no email, text or call received from Chase to verify identity nor grant access to the transactions. normally they will send me a notification to grant access to any transactions exceed {$100.00}. i also asked XXXX, to provide me with a detailed information about the transactions including the receiver name and bank. XXXX only informed me that all he can see is the XXXX bank located in XXXX which it shows scam/fraud bank. he could not provide me with further details to whom it was sent to. Every time i call Chase customer service they would just keep transferring me to different department and mostly have different answers to my questions. the last customer representative told me that someone called me once was they were told they got the wrong number and so they never called back to inform me of the transactions. i informed them that if they can track my account activity, i mostly use it as an emergency fund and recently use it as my savings account since my XXXX was compromised last year XXXX which was link to my XXXX XXXXXXXX XXXX. i informed them to hold all further transactions from Chase. all transactions will be made at the teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was charged a late fee of {$41.00} on an amount due of {$41.00}. That is 100 % late fee of minimum payment to a Lowe 's CC. I had to pay it 2 days late. It was actually paid online on the due date but didn't show up until 2 days later.

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
ALDOUS AND ASSOCIATES has violated Federal Law committing fraud and defamation. This company alleged I owe a debt and is trying to collect this alleged debt by furnishing deceptive forms as pursuant to 15 USC 1692j ( a ) to coerce me I to paying this alleged debt owed. furthermore this company is not licensed, Authorized, or Registered to do business in Arizona. 
Proof annexed in attachment labeled as Exhibit " A ''. 
15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and the sharing of my non public personal information with non affiliated third party consumer reporting companies which has caused injury to my character, reputation, credit worthiness, credit standing, and my right to extend credit which is a violation of 15 USC 1681. Proof annexed in attachment labeled as Exhibit " B '' * Exhibit " A '' is a copy of the list of states ALDOUS AND ASSOCIATES is licensed/Registered to operate in which does NOT show Arizona * Exhibit " B ' is a copy of consumer report ( s ) in which ALDOUS AND ASSOCIATES has furnished this information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX was advised to cancel application and delete personal information via ccpa, usps, email and platform. 

They advised it was escalated for processing I also manually removed my email and ach. 

Imagine my surprise when out of nowhere I receive an email that account is open and past due?

Presuming my info is compromised as this point I deleted my former email. I filed an immediate dispute again reiterating what happened and further advised I see no such deposit however I would be happy to immediately pay via certified funds/debit any amount allegedly owed provided I was reimbursed once resolved this was over 4 months ago. 

I also went one step further and requested relief in their site just to ensure there were no issues while this was handled this was completed on site twice, via mail twice through XXXX  and they confirmed one time and one time only stated concerns escalated. 

They have no means to reach them via phone as it directs you to their zendesk style customer service with which I am very familiar and concerns aside their customer drive leaves a lot to be desired This needs to be corrected to date they are directly responsible to flag to clearance, over 7 credit account closures and/or reductions in lines of credit. 

They have now cost me thousands today it updated yet again as charged off dropping my score even more and prompting me to be noticed of yet another closed how is this still happening? 

I am seeking legal action to recover all damages inflicted XXXX me if this is not resolved expediently

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX was advised to cancel application and delete personal information via ccpa, usps, email and platform. 

They advised it was escalated for processing I also manually removed my email and ach. 

Imagine my surprise when out of nowhere I receive an email that account is open and past due? 

Presuming my info is compromised as this point I deleted my former email. I filed an immediate dispute again reiterating what happened and further advised I see no such deposit however I would be happy to immediately pay via certified funds/debit any amount allegedly owed provided I was reimbursed once resolved this was over 4 months ago. 

I also went one step further and requested relief in their site just to ensure there were no issues while this was handled this was completed on site twice, via mail twice through XXXX  and they confirmed one time and one time only stated concerns escalated. 

They have no means to reach them via phone as it directs you to their zendesk style customer service with which I am very familiar and concerns aside their customer drive leaves a lot to be desired This needs to be corrected to date they are directly responsible to flag to clearance, over 7 credit account closures and/or reductions in lines of credit. 

They have now cost me thousands today it updated yet again as charged off dropping my score even more and prompting me to be noticed of yet another closed how is this still happening? 

I am seeking legal action to recover all damages inflicted XXXX me if this is not resolved expediently

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is a mortgage being reported from 2005 on my credit from multiple lending companies. One is from XXXXXXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There is a mortgage being reported from 2005 on my credit from multiple lending companies. One is from XXXXXXXX XXXX XXXX, and the other is XXXX XXXX XXXX XXXX. I have never bought a home and need all mortgage related loans removed from my credit. The amount on these loans is {$160000.00}. It shows the loans were transfered but it is not mine. I would have been XXXX XXXX XXXX in 2005 and it's impossible the information is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I requested a re-investigation with " EQUIFAX INFORMATION SERVICES LLC '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EQUIFAX INFORMATION SERVICES LLC '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EQUIFAX INFORMATION SERVICES LLC '' with no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I had previously written XXXX letters to Experian and XXXX requesting that they update their records and update my new address, XXXX XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I just wanted one address, one employer, and one phone number listed on my credit report, but these credit bureaus have yet to update my personal information. I'm attempting to secure a loan, but having a lot of addresses listed on my credit report makes me seem less creditworthy and makes me seem unstable.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of known-name identity theft. I keep receiving mail from Portfolio Recovery Associates , LLC for a XXXX XXXX at my address. In my 13 years of living at this address, there has never been a XXXX XXXX living there. 

On several occasions, I have contacted Portfolio Recovery Associates , LLC and other debt collectors sending mail to XXXX XXXX to my address. They keep sending mail. When calling Portfolio Recovery Associates , LLC, my call keeps getting dropped/hung up, or I am told that because I'm not the debtor they can't discuss the matter with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX ; Account # XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.

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 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have been using US Bank ReliaCard Bill Pay for years. I have myself setup as a payee with my home address. In the past they have always issued a paper check that has been sent to my house. On XX/XX/XXXX, I logged into US Banks bill pay as normal and requested {$2000.00}. They deducted the money from my account but I never received the check. I called multiple times to see what happened to my money and tickets where opened. On XX/XX/XXXX, I requested another bill payment for {$2000.00} and the funds were automatically. On this same day, I called US Bank again to find out the status of my XX/XX/XXXX dispute. During this call the rep told me the funds were wired to an account so I would probably have the same issue with the XX/XX/XXXX request. Within 3-10 minutes of me submitting the request she sent a cancelation request. When I called again today they said they didn't process the cancellation in time and they deducted another {$2000.00} and wired it to somewhere I did not request. On one of my calls today, we discovered this may have happened to another bill pay request of {$2000.00} on XX/XX/XXXX. In summary, {$4000.00} for sure and possibly {$6000.00} were withdrawn from my account and not sent to me. They were wired to some account that is not mine. In summary, I had myself set up in as a payee in bill pay to receive a paper check when I needed to get money and instead of following the delivery method, they auto wired it to some account that I didn't set up. Thus far, I have been unable to get my money back into my account and I have no idea where the bank/bill pay partner deposited it. They need to get my money back from wherever they sent it and deposit it back in my account. There should have been no wire transfers. This has been an extreme hardship.

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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Flagstar is not posting HAF payments. The last payment posted was XXXX, prior to that it was XXXX. 
They are mishandling funds.

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is UNLICENSED as a debt collector in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. Florida Statute 559.553 Florida Statue 559.553 states Registration of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. 559.555. I am a resident of Florida and currently my rights are being violated. I have attached my drivers license and utility bill as proof of residency.

Company response to consumer: Closed with explanation