vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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 sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a personal XXXX check of {$29000.00} on XX/XX/2022. Chase Bank has put a hold on the deposit until XX/XX/XXXX. That is 8 business days. 
I sent emails to my Chase Bank representative and to the branch manager. I asked where my money was. It was no longer at XXXX bank and it was not available at Chase. 

I have not received an answer from either Chase employees. I noted that XXXX XXXX XXXX XXXX magazine said many complaints about Chase had to do with this long time period before a deposit becomes available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I traded cars with XXXX  officially signing the documents on XX/XX/2021. At the time of the deal I sent XXXX  a 10 day payoff from XXXX XXXX XXXX XXXX. The amount to be paid off was {$15000.00}. 

They brought my new car on XX/XX/2021 and picked up my trade in at same time. 

Despite having my car, and my down payment plus, Id assume, Chase Banks payout for the new car, as of XX/XX/XXXX, they still hadnt paid off my car. Since I had a payment due that day I called XXXX  and they said to make the payment ( approximately {$600.00} ) and they would pay the agreed upon amount, then XXXX would realize the overpayment and pay me back the overage. 

So I made the payment.

XXXX  had my old car listed on their website by then. 

By XX/XX/XXXX they still hadnt paid off the car loan. I called them AGAIN and they said it was being done. 

Finally on XX/XX/XXXX, they paid off the loan on my trade in. 

BUT THEY paid off the current loan amount, which by that time, over a month at the time wed signed the contracts and Isd paid the down payment, had accrued additional interest ABOVE the 10 day payoff anf not only that they paid off just the balance, not what was agreed. In other words, I made a payment on a car I no longer owed under good faith that XXXX  commitment to me was to pay off the agreed amount. Instead the my stole my payment. 

Subsequent calls..Ive called XXXX  and been told its the Loan Department Tier 1 who should handle this but Ive run outta time with these clowns. Being on hold for an hour then being hung up onwhat a bunch of shady characters. Youd think theyd be thrilled to have sold the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: M&T BANK CORPORATION
State: KS

Complaint narrative:
I applied for COVID forbearance with M & T Bank initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and M & T bank reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

M & T Bank incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with M & T bank, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a XXXX forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised M & T bank that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.

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 2022-01-11 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: MI

Complaint narrative:
I have been looking into purchasing a new home mortgage since XXXX of XXXX. Since then, I've interviewed 3 mortgage companies shopping around for the best rate, which is recommended. However, the housing market has made it difficult with low inventory and inflated pricing. Our search has taken way longer than anticipated. Since having to inquire with multiple companies over time. In this housing market it is necessary, for credit bureaus to make some adjustments to the length of time mortgage companies are allowed access to scores without impacting the borrowers credit score. I am not inquiring on multiple different loan types or even loan needs. These inquiries were all for a primary home starting in XXXX XXXX. Please take a look at the duplicate mortgage inquires and prescreening inquiry and delete multiples. 

I started with the most recent, XXXX  or XXXX XXXX XXXX, who was offering a down payment assistance program ( on a specific property we were interested in ) and required a credit check in order to verify eligibility and check rates. The offer sounded like a great program, but the rates offered were much higher than others, the loan officer is rarely available and hasn't answered questions about interest rates or APR, leaving me to believe they are an unreliable banking source. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/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 explanation
Consumer complaint received 2022-01-11 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: UT

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone illegally deposited checks into my TD account and my account was flagged and then closed. Now I am unable to open an account with this bank or any other bank for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SG and Associates
State: NC

Complaint narrative:
XXXX : XXXX On today XXXX XXXX at approximately XXXX at no caller ID contacted me by phone stating that I was about to be took to court on false charges and allegations that I had no clue about. The contact person name XXXX stated it was from a diamond jewelry store in XXXX NC in XXXX. I have never lived in XXXX or even heard of the company. I dont have or own any diamonds and never had a purchase for it. I proceed to let her know that this is fraud and I would be making a report. She called out my whole social which was really a red flag. She also sent the document like I ask her and immediately I noticed the date was wrong. I explain to her that I started working for the federal government in XXXX and have and had a active top secret clearance which there is no way I would have missed this on my credit.

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 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Called Bank of America who kept me on hold for XXXX minutes then gave me auto cb which happened XXXX minutes later about transaction fees spoke to a XXXX who would not answer questions about the transactions or fees. After requesting to speak to a supervisor she kept me on hold XXXX minutes and then said she could not transfer me and her supervisor said to have me call back and repeat the hold process to get a Supervisor on line basically repeating the XXXX minute process. 

This is complete disregard for my time as a consumer with a supervisor/manager not making themselves available or requesting my number to immediately call back.

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 2022-01-11 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: AL

Complaint narrative:
XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in XXXX  i was 19, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over XXXX in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, XXXX, XXXX, trans union are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

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 2022-01-11 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: AL

Complaint narrative:
XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over 125,000 in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, Equifax, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I applied for CA Rental Assistance Program for rent relief in early XXXX and the application was complete and accepted. I waited a couple of months then finally received communications from the State as well as XXXX XXXX regarding funding being exhausted and the application being deferred to the other program. After receipt of the last communication XX/XX/XXXX, I was contacted by FCO ( Fair Collections & Outsourcing ), a collection agency for the balance remaining for rent for over $ XXXX. I moved out of the home in XXXX to prevent additional charges being incurred once I realized my application wasn't being processed in a timely manner and have been in constant communications with my property manager, but without notification the balance was sent to a collection agency. I would like to know what recourse I have in order to protect my credit. I have a feeling this agency will attempt to take me to court, and I am very concerned about this.

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