vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-01 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: NY

Complaint narrative:
When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.

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 2022-10-01 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: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; 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 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 an account without my written instructions.

I have not given these agencies written permission to furnish these accounts on my credit report. 

AMERASSIST AR SOLUTIONS Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that information.

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 my USAA checking account was hacked 3 times. XXXX. {$500.00} Debit card purchase of crypto currency from XXXX. XXXX. {$500.00} ACH withdrawal XXXX XXXX. XXXX. {$1100.00} ACH withdrawal to purchase crypto currency from XXXX. 
I did not authorize any of these transactions and I was not notified that they were taking place. 
USAA has reimbursed the XXXX withdrawal but they will not reimburse the debit card hack of {$500.00} or the ACH hack of {$1100.00}. 
USAA claims that they notified me by text that the transactions were taking place. I do not have any text dated XX/XX/2022 from them regarding these transactions. 
USAA claims they researched my claim and they concluded that I had authorized these transactions. I did not. A sophisticated hacker used my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
Someone named XXXX XXXX Diaz and Associates have contacted multiple people within my family telling them that I need to call them back because I missed several payments and need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I have been trying to get my money out of these accounts for some time and the accounts were frozen for several days. Now they are in the process of closing the accounts. That means I have to keep waiting. Please close these accounts immediately and send me a check to my mailing address as soon as possible thank you

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 2022-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, after I submitted it, they said it would take 90 days to investigate, and the result is now all 9 months have passed and no investigation results have been released

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Credit reporting, credit repair services, 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: ME

Complaint narrative:
I'm being billed for charges on a XXXX card that had been locked and inactive at the time of charges when I called XXXX the people on the phone could barely speak English.

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 2022-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had filed filed fraud charges with Bank of America on XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The charges were appeared to be taking out of my account started in XX/XX/XXXX. I had a subscriptions with XXXXXXXX XXXX XXXXXXXX was but had canceled in XX/XX/XXXX because I was relocating to Georgia. The subscription had 2 cars attached to it. One of the vehicles were sold. XXXXXXXX XXXX XXXX XXXX told me if the tag is still on car anyone can reopen the account. I canceled my BOA cards and open an investigation. The returned the charges in XX/XX/XXXX. Now XX/XX/XXXX, I received a letter saying there was no fraud & the fund will be taken out of my account on XX/XX/XXXX. I called BOA XXXX XXXX Department. The XXXX told me since I called prior it will be open & the charges will be stopped. Well on XX/XX/XXXX my account is negative {$170.00}. On XX/XX/XXXX another charge of {$120.00} was taken out my account, now its negative {$240.00}. I called BOA again the rep now tells me tat dept is closed call back tomorrow. I call back XXXX XXXX the XXXX BOA rep tells me I need to write a formal complaint to re open the investigation & it should have been done 3 days prior & faxed in with documentations to investigate. I faxed in complaint XX/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 monetary relief
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
I have new and updated information regarding claim number : XXXX. Americollect , Inc. have not provided all of the requested documentation per my previous request. Their refusal to provide all of the requested documentation is preventing me from exercising my right to assess and validate the alleged debt. 

Please reference the attached documents :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
On XX/XX/XXXX I disputed an account with American Honda Financial Services. The complaint I am filing is specifically related to their reporting on my XXXX Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXX XXXX XXXXXXXX. 

I have provided both XXXX and American Honda Financial services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX XXXXXXXX when American Honda contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, American Honda Financial had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem.

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
The car was a total loss. Exeter finance continued to charge fees and interest after the pay off amount check was sent by my insurance company. Fees that they can not explain making my refund a lot less smaller. They also stole my Gap insurance money from XXXX XXXXXXXX, claiming the insurance company did not pay the pay off amount which is a lie, they payed over the amount. I been given the run around in regards to my refund check since they claim to have mailed it to me on XXXXI have not received it yet and were in XXXX now. Tired of calling this company and no one can give me accurate information. There customer website never matches what they are saying on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2022... XXXX XXXX fraud my cheking acount in the amount of {$31.00}... I submitted a dispute with chime Bank to remove the charges and investigate ... chime completed thier investigation sayin this is a valid charge... I told them in my report that the company contact info is invalid the website they reported is fraud ... chime did not state in their report that they were able to contact XXXX XXXX to validate the charges instead they kept the charges on my account ... chime need to do better investigating... for now I am stuck with fraud charges on my account that I did not authorize... I also submitted fraud report on identity theft website

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act : has violated my rights with the accounts listed below : XXXX XXXX # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX XXXX XXXX -ACCT # XXXX, ACCT XXXX XXXX, DEPT ED/XXXX ACCT # XXXX, XXXX, XXXX XXXX XXXX  # XXXX, XXXX, ACCT # XXXX, ACCT # XXXX, XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX- ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX-ACCT # XXXX XXXX-ACCT # XXXXXXXX XXXX XXXXACCT # XXXXXXXX XXXX-ACCT # XXXX, XXXX XXXX XXXXACCT # XXXX Laws listed below states my rights have been violated ; 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

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 2022-10-01 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In accordance With the fair credit reporting Act this creditor has violated my rights under 15 USC 1681. Section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 It also states that a consumer Reporting agency Can not furnish an Account without my written instructions under 15 USCs 1666b A creditor may not treat a payment on a credit card Account under an Open end consumer Credit plan As late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
In accordance With the fair credit reporting Act this creditor has violated my rights under 15 USC 1681. Section 602 States I have the right to privacy. 15 USC 1681 section 604a section 2 It also states that a consumer Reporting agency Can not furnish an Account without my written instructions under 15 USCs 1666b A creditor may not treat a payment on a credit card Account under an Open end consumer Credit plan As late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the Ally Financial v. Haskins Class Action Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. One bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please review the following : Account # XXXX - XXXX XXXX XXXX XXXX  : This debt has already been sold and yet is still being reported with a past due balance on my account. The account was sold to XXXX XXXX. Please have this removed for inaccurate reporting. 

Account # XXXX - XXXX XXXX : This account is a part of the XXXX XXXX XXXX XXXX XXXXXXXX XXXX Settlement. One of the benefits of being involved with this settlement is having this account deleted from all three credit reports. It has still not been removed after multiple disputes and verbal confirmations that the account would be removed by XXXXXXXX XXXX XXXX 

Account # XXXX - XXXX XXXX XXXX : This account has continuously been reported inaccurately throughout all three bureaus. XXXXne bureau shows this account is open with a balance owed while two others show it is closed with a balance owed. After numerous disputes, this account inaccurately remains on my report. Charge off is a write off to the IRS, any balance is non reportable. 

Account # XXXXXXXX XXXX XXXXXXXX- This account has violated my rights to privacy. According to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The open date, close date, and date of last activity on this account have all also been reported inaccurately throughout the bureaus.

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 2022-10-01 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: IN

Complaint narrative:
On XX/XX/XXXX I disputed an account with XXXX XXXX XXXX XXXX. The complaint I am filing is specifically related to their reporting on my Equifax Credit Report. They are reporting that I was delinquent on a payment by 60 days in XXXX and XXXXXXXX XXXX XXXXXXXX. 

I have provided both Equifax and XXXX XXXX XXXX services documentation from a court order in relation to this inaccuracy. The account was originally in both my wife and I 's name at the time it was taken out. In the court order it states " Wife shall be solely responsible for all debt obligations on such titled or leased property, if there is any, and shall hold XXXX harmless theron. 

My ex-wife retained possession of this vehicle and terminated the lease early unbeknownst to me as we were divorced. In the transaction with the dealership where she traded the car they advised they would take care of the remaining balance in relation to her new vehicle purchase ( I assume roll over any unpaid balance ). I was never notified of this until XXXXXXXX XXXX  XXXX when XXXX XXXX contacted me for the first time about a " late payment ''. You can imagine my surprise that they had let the payment get this late without reaching out to my ex-wife who was the one who had traded the car in and two never attempted to contact me on an account I did not even have access to any longer. In fact, XXXX XXXX XXXX had removed my ability to even make payments on this account in their online portal and through the phone. It was at that point that I had to reach out to my ex-wife 's family and I had no contact information for her and threaten legal action if they did not resolve the problem. 

This account should not be listed in my name as negative as I have court documents showing I had no responsibility for the loan after we dissolved our divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC
State: AZ

Complaint narrative:
This was an old account that was removed from my credit due the medical act appointmented by the President / Government. 
The Medical ACT. 


Phoenix Financial SE Original creditor : XXXX XXXX XXXX  Opened : XX/XX/2022. 

Balance : {$1800.00}

Company response to consumer: Closed with explanation