vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My grandmother died of XXXX in XX/XX/2020. I had put all my credit cards on autopay due to me being understandably preoccupied. 

And after that, I got an email saying I had a 31 day late payment on my account. 

I checked my account and I saw that I had in fact paid my Chase card on time. 

However, I noticed that my statement had XXXX ) the wrong home address, as I had moved XXXX miles away XXXX ) the wrong balance XXXX ) and the wrong authorized payment I have repeatedly called Chase about this issue, starting in XX/XX/2020. I have called and had in-person meetings about this every single month till today. During these calls and in-person meetings, I have been called XXXX slurs, and told that I'm a XXXX and a XXXX  by a receptionist at Chase ( XXXX XXXX XXXX XXXX XXXX but that didn't seem to protect me from discrimination  ). I've also been told to go back to my country, even though I was born and raised in America. I've had Chase employees make fun of my name, and told " XXXX XXXX XXXX is irrelevant to Chase 's policy on revising the information they send to credit bureaus ''. I filed multiple complaints within Chase about the abuse I received ; none of these complaints ever led to any change in employee behavior. 

Since Chase fraudulently claimed I was late on a payment, my credit score has plummeted. 

I called Chase Bank yet again today to ask for proof I missed this payment, and the person on the phone laughed at me, said " that's impossible because it was from 2020, '' and when I asked for her office 's mailing address, she hung up on me. 

Chase has no proof I missed this payment, has repeatedly discriminated on me on the basis of race, national origin, gender identity, and XXXX XXXX, and has refused to do report accurate information to the credit agencies. Chase bank needs to be held responsible I have included the Chase statement 's that have my incorrect address. I also included a receipt I got from an Illinois government affiliate, proving I lived in XXXX in 2020. And finally, I included the announcement of my XXXX  XXXX XXXX. It shows the funeral happening on XX/XX/2020, which is XX/XX/XXXX on the XXXX calendar. And I'm listed as a grandchild under the nickname she called me, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In according to FAIR CREDIT REPORTING ACT, KickOff # XXXX ; XXXX OF XXXX # XXXX ; XXXX XXXX # XXXX ; MID XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ; Group # XXXX XXXX XXXX XXXX XXXX # ******** ; XXXX XXXX XXXX # XXXX. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect XXXX consumer reporting agencies can not furnish your account without my written instruction.

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 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My closing is set for XXXX today Bank of America is my loan backer. I received a call from the title company that I need to wire {$11000.00} to close XXXX is a non profit that advertises no closing cost. I started the process with XXXX almost 3 years ago. My process was deliberately delayed by XXXX XXXX, time after time causing me to pay much more for the loan in terms of rate and funds needed to buy down. On the closing disclosure it states the builder XXXX XXXX is giving or crediting XXXX in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the closing company? This makes no sense. No closing cost is no closing cost. When I first started this XXXX and Bank of America relationship I did not make as much money. When I reported my new income and job to XXXX XXXX everything got worse for me. There were delays after delays. Unexplainable, now I'm paying significantly higher for a loan that should have closed almost 3 years ago.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: 90 Day Credit Experts
State: NC

Complaint narrative:
The company is called XXXX 90 day credit repair where they guarantee a 100 point increase in 90 days. I signed up in XX/XX/2022 for an initial amount of {$99.00} nothing happened. The next month a withdrawal of of {$300.00} was trying to come out of my account and this was not discussed. I called the company within 30 days of signing up and they stated I could not cancel for 90 days and I must pay the fees, but I told them you are not doing any work. What am I paying you for? Then I started seeing an entry on my credit report as a loan installment contract. I did not receive a loan from this company and now its reporting from XXXX until XXXX I owe them {$1800.00} for services never rendered that I asked to cancel, of them harassing me, and them running my score worse than the XXXX that I had. I have disputed with credit bureaus several times to verify the debt with original documentation and the credit bureaus keep telling me that this company has certified this is valid. My next step is litigation against all 3 bureaus and XXXX. This is my last step for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
RGS Financial in care of XXXX XXXX, is constantly harassing me about a complaint from me to CFPB about XXXX Financial.After your investigation into XXXX, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send RGS to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXXDEPT OF ED # 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. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In according to FAIR CREDIT REPORTING ACT, XXXX  # XXXX ; XXXX/DEPT OF ED # XXXX ; XXXX XXXX # XXXX ; XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX # ******** ; XXXX XXXX XXXX # XXXX. have violated my rights. 

15 USC 1681 sect 602 ( a ) The right to privacy 15 USC 1681 sect 604 ( a ) sect 2. consumer reporting agencies can not furnish your account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to FAIR CREDIT REPORTING ACT, XXXX, XXXX, & Transunion are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to FAIR CREDIT REPORTING ACT, XXXX, Equifax, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : 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 I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in my credit report.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : 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 I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in my credit report.

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX located in XXXX XXXX, named me as a Co-signer on a vehicle approved by Credit Acceptance. I did not sign nor was I informed about any of this. I have never purchased a vehicle at any Auto Dealership nor have I ever attempted to purchase a vehicle at a Dealership due to the unjust and life ending amount of interest Child Support and the XXXX as well as the XXXX XXXX system has attached to a monthly child support payment a incredibly bias Commissioner has ordered me to pay. The amount has exploded to a ridiculous amount as I was unemployed at the time this was apparently was written in stone. My license was then suspended by the XXXX. The amount owed is certain to automatically deny any attempt to assume the role of a Co-Signer of a vehicle loan. I currently do not understand at how this was approved. Yet at the time of XXXX to XXXX my information was attached to Credit Acceptance which was without my knowledge.

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 2023-04-27 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: CLGF Holdco 1, LLC
State: MT

Complaint narrative:
Applied for the card, was approved, didn't receive the card after 4 attempts over a period of over 6 months, but kept receiving a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: FL

Complaint narrative:
My closing is set for XXXX today I received a call from the title company that I need to wire {$11000.00} to close NACA is a non profit that advertises no closing cost. I started the process with NACA almost 3 years ago. My process was deliberately delayed by XXXX Washington at NACA, time after time causing me to pay much more for the loan in terms of a higher rate and funds I needed to buy down the rate. On the closing disclosure I received after hours on XX/XX/25 it states the XXXX XXXX XXXX is giving or crediting NACA in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the title closing company? This makes no sense. No closing cost is no closing cost which is a bedrock of NACA advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX in care of Lobel Financial, is constantly harassing me about a complaint from me to CFPB about Lobel Financial.After your investigation into Lobel, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send XXXX to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, XXXX, XXXX, and Transunion have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by Transunion another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the XXXX account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and XXXX XXXX XXXX, Experian, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from XXXX XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with XXXX monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from XXXX XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX XXXX account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX. Chime closed my account with no warning. All the email said is that they decided to end our relationship. No reason as to why or next steps. I immediately called and of course, can reach No one by phone so I emailed them same day. All the rep said was that they escalated the issue and someone would reach out to me shortly. I havent heard nothing sense, no one reached out to me and no one is responding to my follow up messages. I have no idea where my money is that was in my account.

Company response to consumer: Closed with explanation