vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: MO

Complaint narrative:
I am writing to file a formal complaint against IQ DATA INTERNATIONAL INC for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with IQ DATA INTERNATIONAL INC, they have failed to amend the misinformation on my credit profiles. 

I have provided IQ DATA INTERNATIONAL INC with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from IQ DATA INTERNATIONAL INC or the original creditor demonstrating the validity of the purported debt. Furthermore, IQ DATA INTERNATIONAL INC never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against IQ DATA INTERNATIONAL INC. Additionally, I urge you to ensure that my credit profiles with XXXX , XXXX and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. IQ DATA INTERNATIONAL INC failure to comply with these legal obligations may result in further action to protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/XXXX - Billpay payment initiated to our XXXX  XXXX XXXX credit card acct XXXX to be paid by XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX notified me of non payment on our credit card XXXX. Discovered Chase rejected to make billpay payment despite sufficient balance and with no advance notice. 
XX/XX/XXXX '' At the XXXX, MD branch, branch manager XXXX XXXX refuses to help me even though I am joint account holder and Chase approved with verification affidavit Power of Attorney for all accounts. XXXX, despite him informing me that he is very familiar with Power of Attorney, refuses to help me despite Maryland Statutory Power of Attorney 17101. Iask for him to escalate the issue and to pay XXXX interest and late fee. He won't escalate because branch is closed and he and his staff want to go home They have plans for the night. States he will escalate issue Monday but never does. He confirms he wants me to leave now. '' XXXX discriminated me due to my skin color/ethnicity and threw me out of his branch instead of helping me. He never followed up, credited my late fees or interest, escalated my issue or called me. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Escalation XX/XX/XXXX XXXX  ( XXXX ) XXXX Executive Escalation Texas '' XXXX XX/XX/XXXX XXXX Says Chase reserves the right to reject any BillPay payments and will not credit late fees and penalties outside of Chase . Said I should ask XXXX XXXX XXXX  for courtesy credit. Would not give me his last name. 
XX/XX/XXXX XXXX XXXX Said Chase can reject all payments. She said my payment was rejected and not delayed, therefore they will not pay my penalties. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Chase cancels my credit card account that I've had for more than 10 years. XXXX says she will open credit card escalation but she is on the banking side. XXXX XX/XX/XXXX XXXX Credit Cards `` Supervisor redeemed rewards points of {$600.00} of XXXX Banking closed our credit card account. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Level Credit Card. Intake XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Regional Mgr. He stated supervisor of executive escalations will call me XX/XX/XXXX or XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX Manger executive office XX/XX/XXXX XXXX ( XXXX ) XXXX Will have XXXX XXXX Call me back regarding balances due to us and statements. Could take up to 48 hours. 
XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Says accts were closed XXXX and takes up to 10 days to receive checks. Will mail me statements for all accounts and follow up and mail me XXXX statements to cover XXXX. I never received any of our statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
This is my third complain, because they pay XXXX XXXX XXXX company in full with out any question or document, photo, that the work was done in good faith., Goodleap LLC deal with other solar company in know how to process the work before payment is made to the solar company when the work is complete, how did Orbit Energy get by with out giving Goodleap LLC all paper work and got pay in full in Goodleap LLC do not know the cost of my solar panel system? an cost of roof, iam paying to much for what i have on my roof were the guideline follow by Orbit Energy for the cost of my solar system in XX/XX/year>? there alot of question that Goodleap LLC can did answer, but want me to answer those question an feel good about, in contiue to pay on the loan and made repair as well,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Golden State Home Loans Inc.
State: CA

Complaint narrative:
XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX California has made the number of personal attacks against me for complaining about his service on XXXX reviews. I have had to delete the comments and repost them after he has replied to my comments with personal attacks and personal information regarding my complaints of his service. He continues to do this. I made a previous complaint regarding this before and his comments that he posted online said that the consumer protection advocate at your agency just laughed with him that I was crazy. This is unacceptable. This man is professional and his practices need to be investigated. He is in business to serve the consumer and not disparaged people that he does a poor job with when they complain.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim against XXXX XXXX in XX/XX/XXXX with XXXX regarding modification issues in XXXX. XXXX XXXX responded correctly that I was not entitled to a modification at that time because the first mortgage with Bank of America was not modified. If it was, under the HAMP guidelines. The second with XXXX XXXX would have been considered under HAMP Tier 2 program for folks like ourselves with a second home would of had a chance to save their home that was being occupied by a XXXX brother, sister and her husband and XXXX children at the time. The original dated XX/XX/XXXX loan was with CountryWide, loan number # XXXXBank of America bought out the loan and the new loan number # XXXX. Our family attempted lots of times to get this home modified and it never was done. I tried We were successful for our current home. But, not this loan. We had to file XXXX  XXXX because our inability to work out something on this home with BofA. I need some answers to why it didnt happen. I submitted the documents to them on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The following company JP morgan chase bank is currently showing on my credit report with XXXX, XXXX, and XXXX, as a credit card with a limit of {$11.00}, XXXX balance of {$11.00}, XXXX. I have tried to resolve this matter amicably with this company via letter sent certified mail and through the credit reporting agencies as well. The card was open in or around XX/XX/2022. The information does not match who I am, address, phone, email etc. As I have explain to JP Morgan Chase Bank. I am not the one who open this account. Someone out there is using my personal information to obtain credit. I have file FTC identity theft report and Police report and sent copies to Credit reporting agencies to advise them and add a fraud alert on my file. I am reaching out to the CFPB to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I did not give authorization for Amerisave Mortgage to submit my financial information for a loan or refinance. I got notice that I was denied for something I did not apply. This is an unsolicited inquiry on my credit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
THE COMPANY never PROVIDED THE legal DOCUMENTS THAT SHOWS MY WRITTEN CONSENT FROM THE FURNISHER AND ALSO SENT AN illegal .paper stating they DID NOT HAVE TO SEND ME DOCUMENTAION PROVING THAT THEY HAD VERIFICATION FROM EACH FURNISHER. TO REPORT ACCOUNTS AND/OR Hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a concerning issue I have experienced with Experian, a credit reporting agency. Recently, I discovered that Experian has deleted an account ( XXXX XXXX account number : XXXX ) from my credit report without my authorization or consent. 

What is more alarming is that Experian has sent me alerts indicating that I disputed this account, which is entirely falseI never initiated such a dispute. This erroneous action has had a detrimental impact on my credit score, which has dropped to XXXX without a valid reason. 

Despite contacting Experian for an explanation, I was met with unclear responses and a lack of accountability. This situation has caused significant distress and frustration, and I urgently seek assistance from the CFPB to rectify this matter. 

I kindly request an investigation into this issue and prompt intervention to restore accuracy to my credit report. Your help in resolving this situation would be greatly appreciated. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has placed and keeps BOTH of my account on a 31 day hold and, despite all attempts to appease them, they will not tell me why. 

It comes down to Capital One assumed I am committing fraud despite all my attempts to prove otherwise. 

I've made all my Capital One payments on time from the same account, sometime more than once a month. 

Timeline  XXXX- {$250.00} Payment made via CapOn app, I get an immediate notice that my account is on hold. 

XXXX - Call Capital One, rep initially states that they put my account on hold because I paid my balance off 4x in the same month and needs to verify my bank account ... .WHICH TAKES NO LESS THAN FOUR ( 4 ) 3-way CALLS TO ACCOMPLISH. In the end, CapOne rep says hold is removed. 

XXXX - Payment hits CapOne account. 

XXXX - I get a XXXXXXXX 'd note saying that I was abusive and used foul language to their customer representatives. I was on the 3-way calls with them ( 4 reps ) with 2 of my home credit union reps and BOTH I and my home bank representatives stated never heard of this, and I only repeatedly apologized to my CU reps and stated that this was stupid and did not understand this unless Capital One assumed I was committing fraud. 

~XXXX - A few days later, I notice that neither of my allowable credit reflects my payments on either of my Capital One accounts. I call and the rep says my accounts are on hold until XXXX to make sure my payments from XXXX clear, well over the 28 allowable day by law and their terms of agreements. 

XXXX - In the interim, I returned a {$280.00} purchase which is credited to my primary CapOne account BUT CAPITAL ONE REFUSED TO APPLY IT TO MY ALLOWABLE CREDIT. And they would not return the balance except by paper check after 10 business days, As my credit limit for either account is {$200.00} & {$300.00} ( primary ) respectively, my $ XXXX payments on hold makes my cards effectively useless despite my 6 figure income and fair credit ( not bad credit, just didn't use credit until recently )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please remove this collections account. Account has been paid as agreed/ paid in full. This collections account with pro collect is negatively impacting my credit report and now allowing me for approval for a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Upon having my identity stolen from the scammers simply obtaining my phone number on XX/XX/XXXX, I notified Chase through a call placed from my XXXX XXXX ( XXXX  ) and this is documented in their system, no actions were taken. The next day, multiple fraudulent checks were written in CA ( I live in NJ ) in the tens of thousands after the scammer gained entry into my accounts which holds 3 separate accounts ( checking, savings, and a joint ) and 1 credit card. The scammer was able to abuse Chase 's system and use the stolen number even after an entire week of my visiting/calling the company to put an end to this.

Chase and its representatives has been extremely uncooperative and unprofessional at times. I must have waited through 50 different transfers throughout this ordeal. The teams are all fragmented which requires the customer to navigate the company 's internal teams to retrieve any info. After having removed my phone number from the contact info on the app on XXXX the stolen number still existed as 2FA and in the Chase credit card account. I did not know about this until a full week and a half later. 

Now, after having waited almost a full month, {$13000.00} still has not been recuperated. Chase has shown that it does not deserve the status, respect, and trust of its clients. I for one can not understand how this bank was able to let the scammer move funds around unabated and unhindered, while making it almost impossible for the real customer to get any real help. A month later, 3 reports have been filed, an FBI report was filed, 2 CFPB complaints ( including this one ), the next thing is small claims court.

This complaint is to supplement the one already filed. In the previous complaint, I asked why Chase did not put an end to what the scammer did earlier when I had provided them the warning to " lock everything down '' on XX/XX/XXXX at XXXX XXXX. This complaint is to document that it has been almost an entire month since the incident and no information has been provided to us. Let it be known that I have provided Chase all the documents asked : an affidavit as to what happened, a statement saying I was not aware of the illegal access, and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
I received notice that I owed a collection. I sent the stub back asking for Verification and proof as I paid it in full. There was not anything sent back and now it is on my credit.

Company response to consumer: Closed with explanation