vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: Atlanticus Services Corporation
State: OR

Complaint narrative:
In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Aspire credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for XXXX XXXX XXXXXXXX to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from XXXX XXXX  XXXX to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once XXXX XXXX  XXXX and Trans Union fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event XXXX XXXX XXXXXXXX keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing this complaint because I feel disregarded, neglected and discriminated by the financial institution that I had business and personal accounts with and kept XXXX of XXXX of dollars on my balance. For 10 long months I have been going through this and Ive been neglected, mistreated and discriminated. 
I opened my claims over 10 months ago and have been continuously calling and speaking to multiple claims supervisors and executive team representatives and I have been ignored and received an unprofessional approach. 
When I first called Chase I clearly stated that I want to dispute all of the XXXX transactions. Every time when I call to find out the status of my claim I was told a different story. It is their fault that they let over {$400000.00} to be wired without my permission as an account holder and notification. After 10 months of constantly contacting them I feel powerless. Because when I call now there is always an excuse and for some reason no one is available or they dont want to talk to me. 
I originally opened a clam for {$460000.00} for the same merchant. After continuous and difficult fights only {$43000.00} was mysteriously refunded. It is an insult to me that being a long time Chase customer, who constantly holds XXXX XXXX XXXX of dollars in his multiple accounts ; this is a treatment I receive. 

Please find attached the transactions mentioned above and copies of checks I have received. And the email from the merchant who was requesting funds back from me, because my financial institution took money without notifying me and constantly denying my clams and mysteriously approving a small fraction of my entire claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was encouraged to open an account in XXXX in order to cash a payroll check from my employer who uses Chase. My previous check from the same employer resulted in harassment by XXXX branch staff, who refused to cash it, even after making me get the check reissued- ( the employer had to come to the branch and just simply withdraw cash to resolve the impass ). 
I told the account-opening banker that I was surprised when the check wasnt made available in my new account, and asked him to call issuer, since he was standing-by for verification call, but took his insistence it would be made available the next day. Three days later ( XXXX? ) I was inconvenienced to learn that my travel plans would be impacted by the unavailability of the payroll funds, which seemed like an arbitrary decision by Chase, since my employer & i were now both using Chase. ( Chase has done this to me about 4 yeats in the past, with a two-week hold on a verified check. ) Supervisor was unavailable at that branch, so i went to the next closest, XXXX XXXX, and demanded to file complaint with Supervisor. Despite not yelling or using profanity, the banker, XXXX XXXX, seemed offended by me, so i explained why my frustration is high, given the prior context of Chases seemingly arbitrary methodology of withholding clearly-available funds, and stalling transaction holds that are not experienced by the subject at large, & that i visited that branch bc the other lacked a supervisor to document my complaint ; Chase, which enjoys unquestioned uncompetitive market-share in XXXX, seeks to force consumers to accept an opaque and arbitrary policy on transaction holds, since XXXX XXXX provided me with a printed policy that was incorrect for my complaint ( XXXX supplied document is in my records & available upon request ), I assume Chase is not prepared to be transparent in how it conducts business capriciously depending on the member. 
Since this instance, ( where the arbitrary hold on my payroll check affected my holiday travel ), theres been another unrelated hold of funds by Chase, which is why my XXXX rent was submitted late, which could violate my rent-controlled lease, causing me unintentional financial damages. There was no security trigger that would cause ATM to deny funds ( see photo attached ) other than my jerky motions, and stepping away, at the ATM, bc i needed to XXXX, which may have triggered a computerized red flag suggesting a fraudulent withdrawal, all if which i had to explain to my landlord, who already has obtained permits to develop my building, and seeks our eviction to do so. 
i make these statements under penalty of perjury under the laws of the State of California, in XXXX, CA on XX/XX/23 Signed ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I noticeXXXX XXXX XXXX on my credit report for fraudulent amount XXXX I have called XXXX XXXX XXXX with no resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TX

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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$940.00} XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-02-23 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: TX

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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$940.00} XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I would like to file a complaint about missing funds in the escrow account associated with the home equity loan with Citizens Bank. The mortgage was originally associated with Investors Bank, which has been purchased and merged with Citizens Bank in XX/XX/XXXX. As of XX/XX/XXXX, the Annual Escrow Account Disclosure Statement provided by Investors Bank suggested I had a {$90.00} positive balance in the escrow account. Based on the Investors Bank 's Annual Escrow Account Disclosure Statement, I would have a surplus of {$52.00} and I received a check for the surplus. Throughout XXXX, I have always paid my mortgage payment including contributions to the escrow account on-time and the property tax stayed essentially the same. However, in XX/XX/XXXX Annual Escrow Account Disclosure Statement provided by Citizens Bank, I was informed that I had a negative balance of - {$150.00}. The loan with Investors Bank was transferred to Citizens Bank on XX/XX/XXXX. As such, I called and inquired the escrow department with Citizens Bank and I was told that from their records, my escrow account in the beginning of XXXX was in a negative {$30.00} plus balance. There are two issues with my escrow account : 1 ) The escrow account as of XX/XX/XXXX was in positive balance and I received a check due to surpluses. There is no way that the escrow account dropped to negative balance in the beginning of XXXX ( XXXX year end balance was {$90.00} and the surplus check was {$52.00} : {$90.00} - {$52.00} = {$37.00} ). 2 ) The escrow account is only used to pay property taxes. Given the property taxes stayed the same throughout XXXX ( i.e., no material increase ) and I have always paid my mortgage payment on-time, I could not understand as to why an initial negative {$30.00} balance would grow to negative - {$150.00} by XX/XX/XXXX. If the property tax stayed the same and I have always paid on-time, I would expect the deficit to stay roughly the same ( i.e., not growing from - {$30.00} something to - {$150.00} ). 

I have filed XXXX with CFPB and Citizens Bank closed the complaint after the investigation stating " On XX/XX/XXXX, you notified Investors Bank of a delinquent tax bill you had received. '' as the reason for the escrow account shortage. However, I have never received delinquent tax bill nor contacted Investors Bank ( now part of Citizens Bank ) during XXXX and XXXX regarding delinquent tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I opened a paypal business acount to fund my business in XXXX, i made XXXX purchases totaling XXXX $ paid that in payment, my account was and card was stolen i was locked out of paypal could not communicate until Port folio co sent me a letter and manyyyyyyy phone calls i requested itemized statements XXXX times only got final page of each statement spoke to them a year ago ask them to leave me me alone and quit reporting to credit bureau i just got a nother letter I have a formal report reporting the theft of my wallet the cops dont care.. but i reported it in XXXX  they want mw to pay XXXX $ im not responsible.My husband is XXXX i am XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2023-02-23 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: VA

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/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 2023-02-23 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: MI

Complaint narrative:
This company placed a security alert on my report that I did not write or consent to. Someone from there had to do it because they stated that I was XXXX military XXXX which I have never done in my life. This false information has caused pain and suffering upon me. It stopped a complex from renting to me, which is compromising my livelihood and my reputation.

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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX Balance : {$700.00}

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 2023-02-23 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: CA

Complaint narrative:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX XXXXXXXX & Account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXXXXXX Account Name : XXXX XXXX Account XXXX XXXXXXXX Name : XXXX XXXXXXXX Account XXXX XXXXXXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

Company response to consumer: Closed with explanation