vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: CA

Complaint narrative:
I had my id and ss stolen and i called the police first then i called the credit company 's XXXX Experian and XXXX i been working with the cops giving them all the in formation and names and numbers of who could of done it and i too have been trying to find out. i called all the credit company 's asked that they remove the information that is not mine from my report they stated that they are going to do an investigation witch makes me feel better the more help the better well Experian said that after they investigated it came back verify.. i though this was good news they found who did it since they specifically said to me that they were going to investigate but they refuse to give me copy 's or any information so i can give it to the police I don't understand!! they said they verify but they wont take nothing of my credit report or police the information for the police i called XXXX they keep leaving me on hold for ever and never come back on the line and XXXX just hangs up on my face every single time but at least they say let me transfer you before they hang up i have gave them the police report the affidavit and the FTC report and they refuse to remove any thing from my credit or they refuse to give me a copy other investigation that they did were they verified not to or the police... please help

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America closes my account XX/XX/XXXX I was phished and fraud was done on account. The bank informed me that my account would be closed and that my XXXX direct deposit would be sent back to XXXX. On the XXXX my direct deposit was accepted. I did not find out until XXXX that they had accepted my deposit. I spent everyday of last week trying to get my payment. Which is every cent I have. I informed them they could not legally withhold my payments as it had protective status. They escalated it 2xs but denied releasing it. Till they close the account and send me a paper check. XX/XX/XXXX. I again told them they were legally obligated to release my funds. On Wednesday the XXXX I went to a branch with the same apology and result. The associate at the branch filed an internal complaint has he realized the stress that the bank decision was putting me under. I also in this process inform the bank of some of the fraud that was done on my account making it easy for easier for them to investigate it. They removed 3 bogus despite totalling {$340.00}. XXXX in Texas was helpful and removed these disputes. 
I received apologies and we escalated it to the department that put the illegal hold on my funds. I requested numerous times to speak to the person who was making this decision or any including legal who can reverse this each time expressing the where violating either Federal law or FDIC rules and regulations. I was informed that it was not possible that this was final decision and my money would ve went by paper check on the XXXX. I told what exactly happened that there was no activity on the account since XX/XX/XXXX not only was the bank at no risk of losing anything that in fact I would follow up with the Consumer Protection Agency. That they were actually putting the bank at risk for not releasing funds that they had no right to hold. They would not give me upper management therefore I am filling this complaint. I request my payment immediately that the bank be sanction as per the law. That I receive my payment the interest from XXXX and any and every fine or penalty that I am legally entitled to by law. I further request that the bank nor be allowed to refuse access so to those making decisions and hide behind digital walls and bank rules and regulations as defacto way of avoiding legal responsibilities of the bank to release protected XXXX funds.

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 2022-08-15 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: Self Financial Inc.
State: FL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, today is XXXX XXXX and today I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
My husband and I opened a high yield money market account with Bread XXXX. We both moved our savings accounts over to Bread XXXX and combined our savings into a single account. We made XXXX large transfers into Bread XXXX and a few smaller transfers. We wanted to earn the best rate on our funds. 

We opened the account online on XX/XX/XXXX. The first large transfer was made on XX/XX/XXXX for {$75000.00}. The second large transfer for approx. {$73000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX our account was placed on Restricted Status. We received a message through their online portal to call and ask for Account Protection. I did as instructed in an attempt to clear up the fraud flag. But this is the problem- I have done everything I was asked to and still can not get anyone to assist me. I keep getting transferred from person to person ; department to department. No one will help or can help. My life savings is held up with no access to the funds. I want to close the account, but I am not being allowed to because funds are Restricted. I feel like they have stolen our money, are holding it from us, and not offering us any avenue to get the account un-restricted or cleared up.

The limit for incoming ACH transfers was {>= $1,000,000}. Our transfers, of course, are well below this threshold. We added the funding accounts through online banking and went through the verification process via micro deposits. The accounts involved are all the same account ownership. Bread XXXX had no problem taking funds in, but are making it literally impossible to get access to funds. It is unacceptable to me to Restrict accounts, but then have a way for clients to seek assistance of what needs done. 

We have been on hold for hours. This is our life savings and now I am extremely nervous and worried. I am absolutely sick. I want to be allowed to close my account and move our funds out to a different bank. Please help me get our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: IA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am in the process of refinancing an existing mortgage with Bank Of America. The current mortgage is variable, so I accepted a fix 15 year at 5.5 % APR. Everything is within acceptable limits. except that the bank chooses to hold up the approval because they say that they are unable to reach my employer. The XXXX Department Of Education to varify my hourly wages. I have sent two end of year salary statements, Two year W2 forms and two recent consecutive bi-weekly statement, as asked. I am frustrated. I believed that I am being discriminated against due to age. I have been employed with the same employer for the last seventeen years as a XXXX XXXX. I am asking you kindly to take a look at my case. 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 non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, This is a long story so I will try to keep it clean 1 ) I submit application to refinance my car loan with Chase on XX/XX/2020 2 ) Chase gives me a 11 % rate despite having a XXXX score ( 2 % higher than when my score was XXXX ) 3 ) I submit complaint ID XXXX after Chase can not provide an answer to how this happened. 
4 ) Chase responds and admits error. They change the interest to 5 % 5 ) I accept this and we move on 6 ) Chase Executive Office submitted fraudulent information about my the loan co signer to CA DMV. They used information we did not provide and swore it was true information to state of California.

7 ) Title is rejected by CA causing the co signer to be removed from the loan but not the title, 8 ) Chase for months never reached out and let me know this had occurred 9 ) Chase avoids me from XX/XX/2020 - until recently 10 ) They claimed it was an error I made and I am forced to spend hundreds of hours over two years and cost me hundreds of Dollars if not more.

10 ) After calling them out on social media they finally responded.

11 ) After two years of claiming it was my fault they quietly fixed the title proving it had nothing to do with me.

12 ) Chase owes me money and will need to rectify the situation 13 ) " whoops sorry about the customer experience '' wont cut it there has been criminal conduct, this has caused me real pain for a long time.

14 ) Chase needs to compensate me fairly for this its beyond the pale 15 ) I have overwhelming evidence everything I am saying is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

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 2022-08-15 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: FL

Complaint narrative:
What have you done to my credit report??? Why there is late payment marked on it? I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FORD MOTOR CREDIT CO.
State: OR

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: NC

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I followed up a few more times and again still did not get a response. 

I now have reason to believe that I am getting ignored since it has been more than 120 days with no response by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2022-08-15 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: AL

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

XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 2022-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AutoMoney, Inc.
State: GA

Complaint narrative:
I applied for title loan last year cause I was evicted from my home and needed fast money to find a place but after I found the place I lost my job and became very ill which I informed auto money about at all times which at that point the understood until I awaken to my car being towed cause I was behind I was informed by the lady who works there name XXXX that I needed to come up with XXXX dollars to get my car back and my loan was refinanced without explanation. So I been making payments of XXXX since XXXX of last year and have exceeded my loan amount which was XXXX but after she refinance it it became to be XXXX I only borrowed XXXX and now it is XXXX and the only thing that has come off this XXXX is XXXX dollars I only have enough to pay the bill after trying to keep my home I have told them how hard it is coming up with this money despite my situation but I it seems I will be paying this bill off forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MD

Complaint narrative:
In my most recent complain response ( XXXX ) there have been a lot of changes made, but none addressed or solved my main complaint, unless removing the XXXX XXXX account was done to solve the impossibilities that have been to get the multitude of errors on it corrected. But if it was removed as what should be done when errors not corrected. I would just like to mention, that removal of the account has happened in the past, but it soon gets added back to the reporting in its same corrupt state. Another change was the XXXX XXXX reporting. It is now reporting under dispute. Not sure how that happened, because there was not a dispute opened anywhere. Plus and a bigger problem, why was it changed where it shows missed payment history and that there was actions beyond the XX/XX/2021 closing date. Why does Equifax continue to allow mortgage operations access to consumer credit reporting. Deleting the account can be acceptable, but we know now that its not going to be permanent. And unlike in the past, now they are modifying the closed XXXX reporting to show recent and negative changes. 

Also on a newer car reporting by XXXX XXXX. It has been modified where it is not showing the payment history, which is also on another open complaint. How do you just remove the payment history.

Company response to consumer: Closed with explanation