vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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: CarMax, Inc.
State: PA

Complaint narrative:
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMAX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX EXETER FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a new chase credit card in XX/XX/2022 and my application was approved on XX/XX/2022. It was understood that if I spent XXXX with this new card within 3 months I would receive XXXX XXXX bonus miles. My first statement month started on XX/XX/2022 as I stated and as it is shown on my first account statement. My first account statement was closed on XX/XX/2022 which was only 26 days, not 28 days like there is in the month of XX/XX/2022. Going forward my account statements will close on the XXXX of every month, so month XXXX will close on XX/XX/2022 and month XXXX will close on XX/XX/2022. And according to the terms and condition of my offer I'm given 3 months to complete my minimum spend and the current closing date of my account statement closes my 3 month window 2-days early on XX/XX/2022 whereas it should be XX/XX/2022. I've called Chase multiple times and no one could give me the answer why Chase is doing this, I clearly stated that I signed up knowing I had XXXX full months to hit my minimum spend, but Chase is closing my statements 2 days early which is not what was advertised nor were there anything noted in the Offer Details stating otherwise. The Offer Details state I have 3 months, not 2 days shorter than 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( Experian ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.

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 2022-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
So Im filing a chapter XXXX bankruptcy and getting this loan depot calling me over the last few days and requested them not to call and remove me from there list and Im on the do not call list. They continue to call and laughed and told me complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have concerns that Bank of America is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair and equitable dispute process regarding fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. In my most recent attempt to clarify this matter on XX/XX/2022, I spent the better part of an hour trying to reach an agent who could assist and was eventually disconnected without success. Please see detailed letter for additional detail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Frontier Consumer Law Group, LLC
State: IN

Complaint narrative:
Fast Track XXXX has called me to the point that it is harassment. They have been advised that my name is NOT XXXX and that they are calling the wrong number. They continue to state that I filled out an online survey asking them to call which is completely false. No matter how many times I ask them to remove my phone number from their system, they continue to call. They have masked their phone number to show up as a local phone number in my area. The most recent call came from XXXX and shows as being located in XXXX, XXXX where I live. They have stated that they are located in XXXX XXXX and that this is where they are calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GA

Complaint narrative:
I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( XXXX ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me. 
As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My account ( and multiple others ) were compromised as apart of theft on new years day of 2022. XXXX bank and Bank XXXX XXXX quickly resolved those issues. Apple ( via goldman sachs ) did not. Access to my accounts was locked by apple and unrecoverable PER APPLE. Payment of the account was impossible due to this. 10 days after the account was " past due '' apple sent a notice in the mail along with charges ( many of which were still fraudulent and were racking up interest charges ). I then promptly submitted payment. After that a month later they submitted to the credit agencies that i was 30+ days late. THIS IS FALSE!! I have now paid this account down to zero and plan on closing it. The negative remarks on my credit report are effecting my credit report scores. The interest charges for fraudulent charges is negatively effecting my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Hi, I opened a small business checking account with Bank of America in XX/XX/2021. I subsequently decided not to move my banking relationship for the business to Bank of America. I never funded the checking account ; not a single penny. 

Now, I receive a statement indicating the account is negative < $ XXXX for service fees. I called Bank of America to close the account and they won't unless I pay {$48.00}. I don't think this is right. I have no banking relationship with Bank of America and definitely don't want one now. One of the reasons I decided not to move forward with the relationship was the amount of their fees. It is unconscionable for them to extort these fees from me, which will only continue to grow if I don't pay them and then close the account. Please help! This is ridiculous. 

Sincerely, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2019 there were three fraudulent charges made on my XXXX account. The amounts were XXXX AUD, XXXX AUD, and XXXX AUD. The merchant was : XXXX XXXX XXXX XXXX And the charge says XXXX Ride Payment for all XXXX. I immediately reported these charges as fraudulent activity and they came back and said they were accurate charges. HOW??? I don't even live in XXXX. I am not completely locked out of my XXXX account so XXXX cant even log in to screenshot the original dispute. And Now Jefferson Capital Systems LLC is trying to collect this money from me, claiming it is my debt!! No it is not. It was fraud and I reported it as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms. This agent is in violation of XXXX XXXX XXXX Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
Forbearance months should count towards the XXXX waiver! I was on XXXX for years with a XXXX monthly payment that shows up as you do not have a bill for this payment period. I was told these would count towards my XXXX payments for forgiveness but now they are saying it wont. Myself and thousands of others are going through this many who were asp put into forced Forbearance due to being schools but still were making payments that now wont have those payments counted. This is ridiculous! The amount of hardships these loans have on the lives of Americans is atrocious! These are the reasons many people are so hesitant about furthering their education because you spend the rest of your life paying back loans and to be two times and taking advantage of my the department to education is completely unfair! Please fix this!! Forbearance should count!

Company response to consumer: Closed with explanation