vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX  an account application was started for Bank of America for a XXXX banking account. It was approved in the same moment just afterwards. I've never opened a bank account with bank of america. This is the second time this has occurred which resulted in me freezing all my XXXX credit bureaus and going through this process once before. This occurred on XX/XX/XXXX the first time fraudulently with the same company.

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 2023-07-01 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This company, Mariner Finance is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I will also like to request the account number because on each report it shows differently. Another request I noticed is that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. In the absence of any such documentation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I will also like to request the account number because on each report it shows differently. Another request I noticed is that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. In the absence of any such documentation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Hello, I sold my car and called Chase bank in advance to inquire about the steps. Specifically, they advised me that title release should take 3-5 days, and I should have the buyer cut one check to pay them off and a separate check to me for the car equity. The buyer decided to use wire transfers so I asked Chase for wire instructions. The whole purpose of a wire is that funds are available to the bank immediately. However, Chase bank ( I even asked a supervisor ) insists their policy is to hold funds for 3 to 5 business days. Now I have a buyer who is upset because Chase is delaying the process to gain title to the car ( per State of CT procedure, Chase holds car title until loan satisfaction ). Also, they didnt properly explain that it would be 3-5 days to apply funds and additional time to clear the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Marriott International and its XXXX member Program have partnered with Chase Bank to offer Marriott XXXX loyalty members credit card products with false and misleading advertisements to entice consumers into applying and getting approved for the card and then immediately change the reward offerings upon approval, and remove the information previously advertised from any of the related documentation about the cards rewards benefits after the consumer is approved. The advertisements originally stated that I would get a significant amount of marriot XXXX points ( I believe it was XXXX or maybe a little less because I compared multiple cards in a matrix online they provided for consumers to compare cards and choose a credit card to apply for ) by applying and meeting appropriate qualifying spend levels in a specified time period. Once approved for the card, there is no further mention of this enticing language! Ive contacted both Chased and Marriot and each side spends numerous hours of my time transferring me between bunk departments, making me sit on hold each time and no one has a clue about the offer nor where to send me to get the assistance I need. My last attempt was a consumer compliant to Chase and Marriott where I informed them I would complain to my consumer protection agencies ( CFPB and etc. ) if not assistance was provided to sort this false and misleading statement issue out. As you are aware, through this process they must hard hit consumer credit for application and approval, then consumer is stuck with open credit card, which I am now refusing to use until they guarantee me the advertised bonus and benefits for my spend and interest payments, and additionally, if I immediately close the card due to their aweful inappropriate malpractice service, I as the consumer take additional hits to my credit. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have contacted Experian by phone and email several times. I have received a response every time but the responses arent answering my question. My question is, why doesnt Experian allow car insurance payments to qualify for their boost program? I was told, sorry unfortunately we do not allow car insurance payments to qualify for our boost program. Ive been told that maybe in the future they will start allowing car insurance payments to qualify. But my question is not being answered, its being ignored. 

I know what bills qualify for boost. Allowing luxury spending bills such as XXXX to qualify but not allowing necessary and required monthly car insurance payments/bills makes no sense to me. That is why Im asking, Why dont car insurance payments qualify? 

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 2023-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a line of credit from this company. I had a draw, and easy payments, that I managed well for 2-3 years. I got offers to get a credit card with this company. I have 2 separate accounts, the second was XX/XX/XXXX. I can not find transactions to match these totals ( {$3400.00} ), for the older, and the newer ( {$3300.00} )., I called the company and asked for a freeze, ( payments for both were at {$400.00}! ). 
They froze and stopped acct., but interest has been accruing for many months!!. 
I can not find legitimate transactions for this exorbitant amount. 
I called and talked to XXXX XXXX, " begging '', as a single mom, asking for a review., asking for a stop of charges ( he reports literally were tough, nothing we can do and we are not reviewing your account! ), even corrected my speech a few times! ), How did I get to ... approx., {$6800.00}. plus!!! ( where are transactions??? )., and if legitimate I must negotiate a settlement, if my credit is destroyed right now, housing is at risk ( I rent! and may not have my lease resigned ). I am a healthcare worker, struggling. 
I am a single mother and have XXXX XXXX, this situation is keeping me up at night and endangering my health! I am formally requesting an entire review of my account with a negotiated settlement amount. ( I have paid fairly for years! ), if the amount is negotiated I will do my best to pay in full and be rid of this awful bait-and-switch company. INTEREST accruing daily! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 
I told Transunion to reinvestigate these accounts : Account name : DEPTEDXXXX # XXXX ( ON CREDIT REPORT 6 TIMES ) XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX USDOEXXXX # XXXX ( ON CREIDT REPORT 2 TIMES ) XXXX  # XXXX CAP XXXX # XXXX XXXX  # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 2023-07-01 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous

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 2023-07-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I received a apology from XXXXXXXX XXXX XXXX XXXX for making the error. They sent me a letter stating that my payment was on time. And they did not report a late payment to the credit bureaus. XXXX just dropped my score around a XXXX points when a late payment never happened or was reported to them. This is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I was charged twice on the XXXX app. The first charge was for {$130.00} and the second was for {$140.00}. On XX/XX/XXXX another purchase was attempted for {$260.00} but luckily I was hyper vigilant at this point and was able to cancel it before it processed. I contacted my bank and XXXX as soon as I noticed the charges on my account. The bank issued a temporary refund and processed a claim. XXXX had told me there was nothing they could do because the order was processed through a third party on their site. 
The bank later declined my claim due to a tracking number. This occurred in XXXX. I was instructed to contact XXXX ( which I did ). XXXX again told me they could not help me because at this point it was past window. 
I went to my post office who informed me that the packages were delivered to another address. The post office provided me with a letter stating this and I submitted the letter and all correspondence with XXXX to my bank. 
My bank has once again declined my claim. 
They stated I approved the claim and that the CVV code was provided. The CVV code was available because my card information was saved to the XXXX website because I would sometimes do curbside orders for groceries.

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 2023-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My Synchrony Bank savings account has been restricted by the bank for one month. I have called multiple times and the bank has not helped me with the problem. It keeps saying the bank is reviewing my account. I don't think there is anything wrong with my account at all. Please help me to tell the bank to solve my account problem as soon as possible

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 2023-07-01 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Last week when applying for a home loan, I was asked about a closed care Credit account with a balance of {$980.00}. My Care Credit account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with XXXX and XXXX. A few days later, my husband received a letter from synchrony Bank saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from XXXX that they had finished the investigation on my dispute, and that Synchrony bank had found the information on my credit report to be accurate. So I called Synchrony bank to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in 2019, and Synchrony has continued to report it as 90+ days late for the past 4 years.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These accounts do not belong to me and are fraud. I have included the identity theft report as well. 

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

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 2023-07-01 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: PA

Complaint narrative:
I have XXXX inquiries on my credit report, which equifax refuses to remove, i have a legal process going where, i will sue them if they do not remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Specialized loan servicing, LLC forwarded correspondence XX/XX/XXXX indicating that they were in perpetual denial of title 12 section 226.23 ( H ) of the consumer right of rescission at foreclosure. SLS own words read " Please note that any claim under TILA is a legal argument. This is not the proper forum to respond to legal arguments. Nevertheless, SLS states that any argument for recission is without merit. SLS follows all state and federal laws in the servicing of the above referenced account ''.

SLS even spelled the word rescission incorrectly showing their incompetency in serious matters. These arguments have gone clear up to the supreme court, contrary to SLS beliefs and statements regarding TILA merits and the final decision was for the consumers in upholding our right of rescission. This decision, XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), will make it easier for residential borrowers to pursue rescission claims.

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