vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hope this email finds you well, I deposited on the I deposited on the Drive thru ATM on XX/XX/1928 XXXX $ bills the receipt printed showed XXXX $ this is in correct. I just received a letter from the claim department saying they completed the Investigation and the couldnt find my money, they will be removing the credit that was given. This is insane!!!! That was the money I deposited XXXX x XXXX $ bills on the deposit window first time I deposited such of big amount on the ATM. The receipt I got said XXXX that was incorrect, Called Chase they Gave me the credit, now they are removing the money stating no money was found, and this claim was opened with a Police report, I just cant believe this is happening with chase, XXXX cant trust my Bank? Honestly this is insane, I just cant believe it! 
Please help. 
Best Regards. 

XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In late 2022 I had a insurance loss on my home. Repairs were completed in XX/XX/XXXX. Since then I have gotten nothing but the run around regarding the XXXX that Freedom Mortgage is holding. My insurance company named them on the check and trying to get the check returned has been impossible. No one from management returns a call, no one knows what's going on and it's nothing but continued excuses. Meanwhile I have had to take money from my savings to pay the repair company to avoid being sued for non payment. This has caused undue financial hardship and stress. Is absolutely unacceptable.

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 2023-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In accordance with the Fair Credit Report act, BANK OF AMERICA, has violated my rights. 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I can not access my credit report with experian. It's been over a year since my last credit report was pulled and I've sent in documents serval time to verify me but they haven't did it yet. I can not apply credits cards or loans that use experian they all come back can't verify me.

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 2023-06-02 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: CA

Complaint narrative:
I already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV 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 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AC AutoPay LLC, Denver, CO Branch
State: NY

Complaint narrative:
I noticed that someone tried to open an XXXX loan with XXXX ( in the inquiry report it says XXXXXXXX XXXX  ) on XX/XX/2023. This attempt to obtain an auto loan was done without my permission. I have since frozen my credit with the XXXX major credit burials. 

Any loan that is opened with this lender has been done without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
We had a Retail Installment contract and security Agrement with XXXX XXXX not with Americredit or GM we want this info report on my and my husbands credit file to be removed! We never signed anything with these two lenders XXXX  XXXX did, we did not! Its destroying both of our credit, we have asked for it to be removed from our file! We are demanding it, ASAP, wehave provided documented proof we did not sig any loan with GM or Americredit! XXXX XXXX signed the paper! The XXXX was A Lemon had open recalls on and we could not get it repaired the part were comming from XXXX andvXXXX  XXXX could not get the part after several months of the car not running and breaking down we stopped making payments and within 1 week the care was picked up and we were told it re sold! We were lied to by the Dealer and This lender we have asked to have this removed off our credit files! But they refused,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: IL

Complaint narrative:
Hi how are u all doing today, I reviewed my Consumer Reports and notice that I had two late payments on an account I was never late for which lead to the account closing.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability With maximum accuracy. I have never been late on payments for the account. The Account Name Is XXXX And The Number Is XXXXplease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was never late. thanks

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 2023-06-02 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: GA

Complaint narrative:
I was inquiring regarding TransUnion. I was denied an opportunity because my TransUnion report keeps saying I have too many delinquent and derogatory accounts. 
That isn't true. I have a screenshot of the TransUnion profile that states 0 derogatory 0 delinquent accounts. Its unfair for them to state that it puts my profile in a very negative light,

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX at XXXX I used CashApp 's mobile check deposit feature to deposit a check for {$720.00}. 
CashApp has since taken the check but has NOT made the funds available to me. 
They refuse to tell me what's going on. They refuse to make the funds available to me. They refuse to cancel the deposit so I can take my check elsewhere and the account the money came from says it was cashed. 
They do NOT respond to their Chat complaints feature, which just keeps sending me a message saying I will have my funds in 4 days. That was over a week ago. 
They can not tell me when it will be available. They refuse to cancel the deposit so I can take my money elsewhere. 
And when I call CashApp, they tell me there's nothing they can do before hanging up on me, refusing to let me speak to a supervisor or manager. 
They refuse to even acknowledge my letters and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I recently filed a XXXX, in regards to collection company, NCB XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my XXXX XXXX XXXX emails and saw no mail images, from XXXX  XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX  XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, XXXX. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with XXXX. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX  XXXX, XXXX XXXX. 

After doing some digging for possible emails from XXXX, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX  XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that XXXX did their due diligence, in order for me to pay off the debt, being it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX 966049 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 2023-06-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated me federally protected consumers rights to privacy and confidentiality under 15 USC 1681 DEPT OF EDXXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A. 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the reports 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 2023-06-03 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: TN

Complaint narrative:
transunion and XXXX  are reporting this account on my credit report. XXXX is from XXXX XXXX i have asked financial to send me a validation letter but they have not after several requests. XXXX XXXX is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

transunion and XXXX both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

opprotunity financial has verified this debt being correct as well.

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 2023-06-03 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: PA

Complaint narrative:
I reported a discrepancy in the total amount of loan I had taken and that I had made two payments on the loan that had not been noted. Further I reported that a former address was not a single family home but no changes were made. The property was my former college address.

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 2023-06-03 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding a recent issue related to the handling of my account by XXXX XXXX XXXX XXXX As a valued customer, I expect that XXXX would adhere to the highest standards of professionalism, integrity, and compliance with applicable consumer protection laws and regulations. 
The crux of my complaint lies in the unauthorized sale of my debt to a third-party creditor, which has resulted in an unjustified collection account being reported on my credit report. This action not only violates my rights as a consumer but also has a severe negative impact on my financial well-being and creditworthiness. 
I kindly request that you provide me with the purchase agreement, which evidences the lawful transfer of my debt to the aforementioned creditor. It is imperative that you promptly furnish this document to me as part of your obligation to transparency and in compliance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and other applicable consumer protection statutes. 
Furthermore, I urge XXXX to take immediate action to rectify this violation and remove the collection account from my credit report indefinitely. The inaccurate reporting of this collection account not only damages my creditworthiness but also violates the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] and the New Jersey Consumer Fraud Act [ N.J. Stat. Ann. 56:8-1 et seq. ]. 
I would like to emphasize that if this matter is not resolved satisfactorily and promptly, I will have no choice but to escalate my complaint to the New Jersey Department of Banking and XXXX. I trust that XXXX, as a reputable company, is committed to upholding consumer rights and resolving customer concerns efficiently and fairly. 
I kindly request a written response to this complaint within 30 days outlining the steps XXXX intends to take to address this violation and rectify the damage caused to my credit report. Should you require any additional information or documentation to investigate this matter thoroughly, please do not hesitate to contact me. 
Thank you for your prompt attention to this serious matter. I sincerely hope that XXXX will take the necessary actions to rectify this situation promptly and restore my faith in your company 's commitment to customer satisfaction. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: DC

Complaint narrative:
I sent XXXX dollars on XXXX XXXX to the wrong contact number in my phone and chime said they can not cancel or refund my money and the person doesn't want to send it back I am filing a complaint against chime because they are my financial institution and not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: LA

Complaint narrative:
I recently filed a complaint,XXXX, in regards to collection company, XXXX XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my USPS INFORMED DELIVERY emails and saw no mail images, from XXXX XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, UPGRADE. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with UPGRADE. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX XXXX, XXXX XXXX. 

After doing some digging for possible emails from UPGRADE, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that UPGRADE did their due diligence, in order for me to pay off the debt, being it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX  XXXX XXXX XXXX {$980.00} XXXX XXXX  XXXX XXXX Balance : {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation