vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
Chase bank closed my account without warning on XX/XX/year>. I have about {$2200.00} in both my checking. {$500.00} in my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I XXXX XXXX  lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My daughter and I opened a account # XXXX with Citibank in XXXX California in XX/XX/year>. I deposited a check from my XXXX in the amount of {$10000.00} to start the account in person at the bank. Within days we received an email that the account had been closed with no warning. They said it was due to some kind of fraud prevention? We called and basically were told there was nothing we could do. The XXXX check cleared and so I have been paying on a loan from my XXXX that I never actually received. We called again and were told again nothing could be doen and that after 3 months we would get a letter! It has been 6 months and we haven't received anything and they took my money! They have not even tried to give me my money back. This is theft!

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
XX/XX/year> i was approved for $ XXXX loan and received apprx {$6200.00} the rest was fees to the company. My payments are approx {$270.00} per month. As of XX/XX/XXXX my balance was approx $ XXXX after paying XXXX for 9 months totaling approx {$2400.00}. The interest rate is approx 24 % for 36 months. I feel something deceptive is occuring with the interest and fees. How is it that after paying {$2400.00} my payoff is still over $ XXXX. Each month I noticed they apply different portions of my XXXX payment to interest. This info was not made clear in the small font of the many pages of the application. I just paid the loan off early with up front interest of 36 month that I should not have to pay. In total I have paid approx {$8400.00} for a 9 month loan and initially received approx {$6200.00}. There is no way they should received XXXX in interest. I was told they charge a daily interest of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/year> I sent a XXXX transfer to a friend of mine that I had been paying every month in the amount of {$400.00}. The XXXX was never received and after probably XXXX complaints and hours on the phone and email correspondence I have received the final answer that nothing can be done. They say the transaction was successful and that I authorized this transaction. I have talked with my friend and her bank directly and they both confirm the XXXX transfer was never received at the account it was sent to. 

I am refilling this complaint for the same issue because even though I authorized the transaction the funds never reached the recipient. If the bank looks at the previous XXXX transfers they were all to the exact same person and same account. There were no issues until this XXXX transfer occurred. Even though I authorized a transfer they did not deliver the funds to the intended recipient. If they do not refund the {$400.00} that has been taken from my account and still not accounted for, I will be closing my Wells Fargo account as well as reporting them to the 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 2024-04-30 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I have continued to dispute this collections on all 3 bureaus ( XXXX, XXXX XXXX XXXX ). I havent had this car in years & this company is reporting the last delinquency as XX/XX/24. Ive asked this company for any documents they have with my signature on them & they have yet to provide anything. Lastly this collection is past the statute of limitations for GA, it has been on my credit for over 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: MN

Complaint narrative:
According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc.
State: WI

Complaint narrative:
The company did an upgrade to there system and ever since I have not been able to withdraw or even see the funds that are in the account as of now there is around XXXX that I do not have access to I have been going through this going on to weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital systems {$6000.00} XX/XX/year> I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8, L owe no debt, This company is violating my consumers right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 16814 . Company has falsely reported late payments for years which a violation of 15 USC I666b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My venmo account was frozen on XXXX I've had an account with them for 8+ years. I immediately responded with a photo of my ID as asked. I've contacted them twice now being told the issue has been escalated but nothing more. I have {$950.00} in cash on it and currently a little over XXXX in crypto. Most of that crypto was recently transferred to me via XXXXXXXX  after a very long wait due to them going bankrupt and finally returning my funds to me giving me the option to receive them in venmo or PayPal. Not sure if that's what got me flagged as that was received XX/XX/XXXX but needless to say after waiting we'll over a year of that crypto being in limbo and finally receiving it the last thing I expected was for it to be now unavailable again. I read online there may be recourse with this agency to remedy the situation somehow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe that under FCRA 605B, we must remove any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I found out my lender had paid taxes in XXXX to the wrong parcel. My property parcel was separated when I purchased it however XXXX paid property taxes from my escrow account for {$2400.00} to the original parcel in XXXX. I have called them numerous times asking for a refund and they have not contacted me one single time. Today I called them again, spoke with XXXX and she told me they have tried to get the money back but nobody is responding to them at the XXXX XXXX XXXXXXXX XXXX XXXX This is not true because my contact at the treasure 's office is XXXX and I spoke with her today and the only refund that has been sent is for the current lender and this was completed on XX/XX/XXXX only because I filled a complaint with you about them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

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
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting. I should receive a {$1000.00} for each incorrect reporting on my credit file.

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 2024-04-30 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: PA

Complaint narrative:
FCRA 605B, I think, necessitates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2024 XXXX unauthorized charges appeared on my card ending in XXXX for XXXX {$250.00} at XXXX cst. After I received that charge, I immediately contacted Navy federal credit union at XXXX cst to notify them of the unauthorized charge that was presented on my account. At the same time as I was on the phone with a navy federal representative, I received another notification at XXXX cst stating that my card ending in XXXX was used again for XXXX XXXX XXXX XXXX XXXX, I immediately notified the representative that my card was continuously being used and she immediately disconnected my card. Navy federal gave me a temporary credit, but soon after reversed the credit that was given to me, and denied my claim. I explained thoroughly to navy federal that I live in the state of Texas, sports betting is prohibited in the state of Texas, and its no way possible I could have made that charge as I was on the phone with one of their representatives at the same time the charge came through. I feel as though the case processors with navy federal did not thoroughly investigate my claim and simply denied it. This is alot of money for me, and I refuse to pay for something that was stolen from me. 
This card ending in XXXX is still compromised as other charges has been attempted to go through but were declined.

I have attached messages below showing the timestamps of each fraudulent transaction, the time stamp in which I called navy federal to report the fraud, XXXX, and I attached a document stating that sports betting is illegal in Texas therefore its not even possible for me to sign up on the site to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 non-monetary relief
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to 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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested a correction of the late payments listed on XX/XX/22 & XX/XX/22 with proof of when payments were made. No information was provided

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a correction of the late payments listed on XX/XX/22 & XX/XX/22 with proof of when payments were made. No information was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a correction of the late payments listed on XX/XX/year> & XX/XX/year> with proof of when payments were made. No information was provided

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 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I do not owe to United Collection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief