vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank is currently in process of closing my account and has restricted all access to my funds. Instead of the bank communicating to me about the restrictions on the account, they are refusing to allow me to withdraw my remaining balance in the account. I have not been provided any support as to how I can access my funds during the closing of the account and I have spoken to 8 people who are all telling me different things regarding my account. I am a student and I fund everything by myself, this is my only checking account and chase has left me with no access to my money at all. I have rent and bills due within within the next week along with rent and spring semester tuition and this bank has left me with literally nothing. I have tried everything, I even had a representative hang up on me ( I'm assuming they could not assist me at all ) after transferring to three different departments. I don't care about the account being in closing because I have no intentions on ever doing anything with Chase bank ever in my mortal life and will make sure I denounce them to anyone that is willing to listen. They do not care about their customers what so ever and I would not recommend them to my worst enemy. What makes matters worse is I had no prior warning or red flags on my account, not a single hint as to why they are closing my account. I don't know what else to do and am at a complete loss because of chase bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: NE

Complaint narrative:
I am buying a home via a loan assumption of a FHA XXXX loan in XXXX Nebraska. I paid an earnest deposit of {$5000.00} and a {$900.00} assumption fee along with a credit check fee. The contract/purchase agreement was signed on XX/XX/23 and the closing date of XX/XX/23 was set. US Bank is in control of the loan. They have been provided with all necessary information within 48 hours of request. Some documentation has been provided repeatedly as it's viable time frame had expired because of the lengthy time this has taken. I have repeatedly inquired as to why this is taking so long and have been told that it might be better to obtain conventional financing. I believe that US Bank simply wants this low interest loan to " go away '' and this is a tactic to get me to give up. The current hold up is getting my tax transcripts from XXXX. I was told that it may take 5-6 weeks. Tomorrow it will be 7 weeks. I have sent them copies of my tax returns and even copies of the transcripts, but these have been deemed unacceptable. 
In addition to the inconvenience this has caused me, the seller has moved and has made double payments. She has since stopped paying and now there is potential for the house to go into for closure. Anything that can be done to help this situation is greatly appreciated.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank OFFERED me a credit card on or about XX/XX/23. Then immediately denied it. based on inaccurate information that they, Wells Fargo Bank are reporting to credit agencies. I've requested a validation of debt and they have refused to respond. 
this is a violation of my rights to consumer credit. 

12 CFR 1002.4, 12 CFR 1002.7, 12 CFR 1022 ( v ) 15 USC 1602 ( p ) 15 USC 1692 ( g ) 18 USC 8 15 USC 1602 ( o ) Ohio Admin. code 3901-1-55 FCRA 15 USC 1681 15 USC 1691 ( c ) 15 USC 1692 ( f ) 15 USC 6802 15 USC 1602. 31 USC 3123 15 USC 1611 TILA 15 USC 1601 Title 15 ch. 41 all 15 USC 1591 ( c ) 15 USC 1692 ( k ) Wells Fargo Bank is reporting two different charge off ( s ) to the credit reporting agencies. When a charge off is income., to which I've never recieved the 1099c to report on my end. this has become a hardship for me. i am unable to provide properly for myself, family and household.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Court has explicitly stated that bankruptcy should not be reflected in my credit history, and there is a deficiency in ensuring accurate reporting on your end.

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 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and I have provided supporting documents for verification.

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 2024-01-24 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: LEXISNEXIS
State: MD

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 2024-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Urgent Demand for Resolution : Unlawful Interest Charges on Closed Ulta Account I am writing to formally file a complaint against Ulta Beauty for egregious violations of consumer protection laws stemming from predatory credit card practices. My closed account has been erroneously charged interest and subjected to unacceptable customer service, necessitating your immediate intervention. 

On XX/XX/year>, I explicitly requested and confirmed the closure of my Ulta account after ensuring full payment of the balance. This closure request was reiterated to avoid any future charges. Shockingly, months later, I received a statement reflecting a {$180.00} balance. While contacting customer service, I encountered a complete lack of accountability and transparency. 

Initially, representative XXXX acknowledged the account closure but offered no explanation for the residual {$5.00} interest charge or how the closed account, paid in full, continued to accrue interest for a total of {$180.00}. Moreover, the supervisor demonstrably failed to uphold basic customer service standards. Instead of addressing my concerns or investigating the error, he resorted to victim blaming, suggesting I failed to monitor my statements, and disregarding the pivotal fact of the account closure and very sarcastic hang up the phone after asking him for his first name. Very surprised to see this behavior, from a supervisor employed by a public company as it is Ulta Beauty Company with numerous stakeholders and investors that would expect that every employee is an ambassador to the brand. 

These actions constitute clear violations of consumer protection laws prohibiting unfair and deceptive practices. Charging interest on a closed account and shifting responsibility to the customer are illegal and unacceptable. 

Therefore, I ask you to undertake an immediate investigation and hold Ulta accountable for its predatory and deceitful practices. I just happened to check online for complaints on UlTA Store Credit Cards and there are numerous complaints, even their own empoyees feel bad for pushing this credit cards for the same issue I am complaining. Something must be done to protect customers from this greedy company who pushes its unethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been receiving emails regarding updates on my credit reports that I do not recognize. I did not apply to these credit card companies. I have received a hard inquiry from XXXX XXXX on XXXXXX/XX/year>, XXXX on XX/XX/24 and I received a call from XXXX on XX/XX/24 stating a credit card was applied for in my name. There is also an employer added to my credit report that I do NOT work at XXXX XXXX. I have called XXXX XXXX to dispute this. I have called XXXX to dispute this- they advised it would be changed to a soft inquiry. I also contacted XXXX XXXX to dispute this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
I received an email stating I owed a debt to XXXX XXXX for the amount of XXXX from XXXX. This debt is not on my credit report and I have never received or inquired on services through XXXX XXXX in XXXX I am a victim of identity theft in which my twin sister was using my social security number for financial gain. It has been reported to my local law enforcement agency who has investigated this matter. I did report identity theft to the social security administration and my social security number was changed because I provided so much documentation and proof that XXXX was in fact using my information without my permission and or consent. 

XXXX XXXX from TrueAccord Corp a debt collector has fount my email address to contact me. He's also using my current address to justify the debt. I've lived in my current XXXX for almost 5 years and the debt he claims I owe was from XXXX. He didn't provide any other information other than what looked like a screenshot of any body 's account. He can't prove or hasn't proved it belongs to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I never received my letter of deficiency from XXXX XXXX XXXX XXXX.for a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.

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 2024-01-24 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:
I never received my letter of deficiency from XXXX XXXX XXXX XXXX.for a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never received my letter of deficiency from XXXX XXXX XXXX XXXXfor a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
15th complaint today same issue and a variety of absurd explanations that make absolutely no sense and have nothing to do with the problem which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

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 2024-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/2024, my new lender XXXX submitted a check to three lenders : XXXX XXXX, Firstmark Services, and XXXX. XXXX XXXX has already received and processed the check. Firstmark Services denies receiving this check as of XX/XX/2024, such that interest accrues both on this old loan and my new loan. I have followed up with XXXX to receive the check number for each old servicer and offered to provide this to Firstmark Services to expedite the process. Firstmark Services continues to sit idly as my interest accrues on this account, without offering to do anything to resolve the matter. 

As such, I am effectively paying double-interest on my Firstmark Services and my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Reporting Act 611 ( a ) ( 7 ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXX Account from Credit Report Dear EXPERIAN, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX XXXXXXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information 2. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report XXXX. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EXPERIAN to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX XXXX. 

Sincerely, 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 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
While Checking my credit report i noticed accounts, addresses and Inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX XXXX XXXX. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me. 

I have not received the signed contract with my signature nor any invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: AL

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and 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 2024-01-24 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Reporting Act 611 ( a ) ( 7 ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 explanation