vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I received a call supposedly from chase bank telling me account had been compromised. They kept on the phone too long and in the meantime they knew my credit card number. They told me not to pull up my account until the next day while they investigate the compromised. They ask me to take care of my XXXX account for {$480.00} because we have put the funds in your account to cover the expense. The procedure they used had me convinced I was talking to Chase representative. However, after I hung up, things did not seems right. So i opened my account and my funds were gone. I called Chase, and their help seemed to be not up to par with handling the situation. I called another Chase official and they said they would handle it. today Chase reversed their action of covering the theft and withdrew my lost. I reported identity theft atold my nd they ignored that. So they assumed I stole my own funds from out of XXXX. Each withdrawal for {$300.00} each until they got down to the last {$100.00}, and each one covered drinks and dinner. I licve in Illinois and i certainly would not have withdrawn that much on one day for drinks and dinner in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}

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 2023-09-08 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SAHARA AV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: LA

Complaint narrative:
I sent XXXX, XXXX, and TRANSUNION letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXXXXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from TRANSUNION ( XX/XX/2023 ) XXXX ( XX/XX/2023 ). I never received no paperwork from XXXX. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. XXXX # XXXX, XXXX # XXXX, TRANSUNION # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Kansas, to inquire about a test drive for a vehicle shown on their website. I informed the salesman that I was interested in a newer model but saw that their car was comparable to the one that I was currently considering. The day after, I met with the salesman on the evening of XX/XX/2023, just before closing. I reiterated the same information that I had given him over the phone. The salesman knew I only wanted to test drive the vehicle ; he asked for my keys as collateral and took a copy of my driver 's license.

After test driving, the salesman became very pushy. I informed him that although the vehicle drove nicely, it was not what I was interested in. I was calm and professional throughout but felt tense the entire time. I believe that he intended to get me to buy a car that I was not even interested in. I felt trapped while they held my keys in their possession. I was unaware then, but every time the salesman would leave the conversation with me ( three to four times ), he was plotting with the finance manager. The salesman continued to ask me questions while I requested him to clarify because I am not an expert in automotive sales. The salesman left the table again and brought a man back with him ( I found out later he was the finance manager ).

The finance manager approached the table and aggressively continued to push me to buy the car. I explained that I was only interested in test driving and comparing numbers. He informed me they would have to check with the bank for accuracy. He started using jargon I didn't understand, so I asked him to clarify. When I asked him, " Is this a hard credit check? '' he did not answer with a yes or no answer. I asked him to continue to clarify. Both of them asked for my personal information. I sat there anxiously, wanting to leave, but they still had my keys. 

The next day, I discovered that XXXX XXXX had run my credit through three banks. When XXXX XXXX called me back, I asked the same finance manager again if this was a hard credit check because this was not what I asked for. He replied yes and said I agreed by saying, " All alright, Go ahead. '' I was enraged and felt misled. All I wanted was some quotes and figures to compare and contrast. Instead, the salesman and finance manager subjected me to unethical sales practices and horrendous customer service.

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 2023-09-08 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: KS

Complaint narrative:
I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Kansas, to inquire about a test drive for a vehicle shown on their website. I informed the salesman that I was interested in a newer model but saw that their car was comparable to the one that I was currently considering. The day after, I met with the salesman on the evening of XX/XX/2023, just before closing. I reiterated the same information that I had given him over the phone. The salesman knew I only wanted to test drive the vehicle ; he asked for my keys as collateral and took a copy of my driver 's license. 

After test driving, the salesman became very pushy. I informed him that although the vehicle drove nicely, it was not what I was interested in. I was calm and professional throughout but felt tense the entire time. I believe that he intended to get me to buy a car that I was not even interested in. I felt trapped while they held my keys in their possession. I was unaware then, but every time the salesman would leave the conversation with me ( three to four times ), he was plotting with the finance manager. The salesman continued to ask me questions while I requested him to clarify because I am not an expert in automotive sales. The salesman left the table again and brought a man back with him ( I found out later he was the finance manager ).

The finance manager approached the table and aggressively continued to push me to buy the car. I explained that I was only interested in test driving and comparing numbers. He informed me they would have to check with the bank for accuracy. He started using jargon I didn't understand, so I asked him to clarify. When I asked him, " Is this a hard credit check? '' he did not answer with a yes or no answer. I asked him to continue to clarify. Both of them asked for my personal information. I sat there anxiously, wanting to leave, but they still had my keys. 

The next day, I discovered that XXXX XXXX had run my credit through three banks. When XXXX XXXX called me back, I asked the same finance manager again if this was a hard credit check because this was not what I asked for. He replied yes and said I agreed by saying, " All alright, Go ahead. '' I was enraged and felt misled. All I wanted was some quotes and figures to compare and contrast. Instead, the salesman and finance manager subjected me to unethical sales practices and horrendous customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Started the loan process on XX/XX/XXXX had an appraisal done on our home. Appraisal was not done properly and home was undervalued by {$80000.00}. Put in a dispute with the underwriters, took them so long to respond we had to do a second credit app  on XX/XX/XXXX. Another appraisal was done house appraised for fair value {$80000.00} more then first appraisal. We started moving forward, all paperwork had been sent multiple times but they said pay stubs weren't valid according to underwriters. I've been employed with he same company for 5 years and the company has been in business for over 40 years with over XXXX employees, I bought the house under the same employer and loan was finished in 2 months. The loan timed out a second time because of communications from our loan XXXX and underwriters. I have over XXXX calls to the loan officer throughout this process and over XXXX emails. It took the loan officer over 2 days to return calls and she never knew what was going on with the loan always had to call back. Now we are fighting to get the credit apps off of our names due to it being the banks fault.

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 2023-09-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Received 2 Amex gift cards for {$100.00} each from my employer, tried using them at NUMEROUS online stores, including XXXX, XXXX, XXXX , tried putting the gift card into a XXXX account , and ALL transactions were declined. Called Amex Customer Support and was told NOTHING helpful, said " measures '' were put in place for MY safety (? ) and to prevent fraud (? ) and to try back in 24 hours. Same thing happened after 24 hours. IT IS BEING DECLINED EVERYWHERE INCLUDING PHYSICAL STORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$560.00}

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 2023-09-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I closed my checking account and I am still receiving online notifications that it's open and the account was never closed just stay at a XXXX balance

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 2023-09-08 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.

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 2023-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and I was shocked to know that I have been a victiom of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me, as I am in the process of trying to close on a home. Please remove these fraudulent accounts 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 2023-09-08 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XX/XX/XXXX approximately XXXX in the day, sitting in front of my private property was my XXXX  XXXX XXXX Kia XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX and HYUNDAI LEASE TITILING TRUST, XXXX XXXX unlawfully stole my private family travel conveyance without proper notice. Pursuant to lease agreement between said parties, if a default is inquired repossession of the vehicle without prior demand, unless otherwise required by the law. Pursuant to Pennsylvania U.S.C. Title 12 ; which was sated verbally XX/XX/XXXX XXXX to a XXXX on a recorded line to KIA MOTORS FINANCE, I also requested to speak to a supervisor, which their policy states has a XXXX hours to return a call and it took XXXX hours to call me back on XXXX  the XXXX of XXXX and I talked to XXXX and she declined any information I requested besides a redemption process in which was she also stated I request the title and pay off remaining amount to the dealer ( XXXX KIA XXXX where I purchased my private family travel conveyance and send them the remaining balance which was not disclosed in the lease agreement nor was provided upon request. XX/XX/XXXX I sent a notice to set off was sent and received by Recipients and no response was given, XX/XX/XXXX again Notice for opportunity to cure was sent and received no response given. And XX/XX/XXXX XXXX KIA responded declining my payment and sent a letter stating they are no longer the holder of the title and to take matters up with HYUNDAI LEASE TITILING TRUST. I have also included case law the supports my statements. I also have complained to the 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