vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Background I am writing to file a complaint regarding a recent issue I have with Chase Bank and XXXX XXXX XXXX XXXX. I am a business school student, and I organized a school trip to XXXX in XXXX. During the trek, I paid some expenses on behalf of XXXX, a travel agency. I received a check from XXXX. to settle the expenses after the trip. However, since XXXX. changed their address after issuing the check, they manually corrected the check. When I brought the check to Chase Bank, they told me it might not be processed because it had been manually altered. However, XXXX told me that it could be deposited since they could approve it. So, I deposited the check. However, the check was suspected of being fraudulent, and my account was suspended and is now closed. 

Actions On XX/XX/XXXX, I realized that my bank account was suspended. Since then, I have spoken with a couple of branches, back office, and fraud department of Chase Bank multiple times, but they told me that the only way to verify the check is to provide Chase Bank 's back office with XXXXXXXX XXXX phone number that matches their database and have them call XXXX to confirm if the check is correct. I provided all of XXXXXXXX XXXX phone numbers, but none of them match the database. XXXX  does not have any transactions with Chase Bank, so we don't know which phone number is in the database. When I asked which phone number it is, they told me they didn't know and could not tell me. I also tried to let XXXX  and their main bank, XXXX  XXXX XXXX, call but Chase Bank said they can not pick up the call because this is about my personal information. The branch agreed that the check was obviously correct, so they filed an official complaint with the back office, but the response was still the same. 

Amounts My bank was closed, so I can not see the exact amount now. However, the amount of money in the closed account was around $ XXXX. 

Thank you for your support and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint last XXXX, XXXX and XXXX, XXXX. The companies involved responded. Some got deleted but there are still fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I leased a car through GM financial. I set up auto pay like I have done in the past previously to " set it and forget it '' and not have to worry about payments during the lease. It worked perfectly until the very last payment on the lease. I must have missed the fine print that said that the last payment could not be made automatically. So despite having the money in my account the auto payment system did not perform the last payment. GM financial says they reached out to me to inform me of the late payment, however the emails they sent were classified as spam so got sent to a spam folder and the phone calls were sent from non caller ID numbers. I would answer the phone calls say hello and recieve no response on the other end so I assumed it was a robo spam call and hung up. So I was never informed of this missing payment until I went to go turn the car in or buy it out at the dealership weeks later. I paid the last payment in full as soon as I was made aware. I have tried calling into gm financial support about the issue already 3 times and got different explanations each time. I am hoping this 30 day late payment on my report can be overturned as I feel it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-05-05 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: TX

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. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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 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 2023-05-05 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: TX

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. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Freedom Mortgage Company
State: NY

Complaint narrative:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : New York Zip : XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws 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 explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Mattress Firm / Synchrony Home : I returned a mattress within the timeframe of the terms. The action happened in XX/XX/XXXX. The Mattress Firm associate told me a credit would happen, and I should request a refund. The amount is {$2200.00} In XX/XX/XXXX, I formally requested my money refunded and was given a timeframe to receive a check. The check did not come. I made another attempt in XXXX of XXXX. I was given the same timeframe to receive my refund. The money never came. 
My first XXXX times reaching out were on the Synchrony app and when I interacted with an associate. 
In XXXX of XXXX, I made a call, was put on hold, and then hung up as I waited. 
I made a second call ( I am currently on the call as I am making the report ). The over-the-phone associate told me a check would be provided, which would take 7 to 15 days. 
I said that it was unacceptable and I should have the check expedited without fees on my side. The associate ( XXXX ) that responded was not able to assist me. I requested a manager who could help. I am currently on hold for an hour and three full phone-holding songs. 

I added a screen grab of my phone with the phone number called. It is the date of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

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. 

XXXX : XXXX, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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 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 explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Between XXXX XXXX, 2023 and XX/XX/2023, a new account in collections was added to my report. The collection agency is CREDENCE RESOURCE MANAGE. The original creditor was XXXX XXXX XXXX XXXX. 

I just got a notification alerting me that my credit report has changed and a new collection has been added to my file. from what i understand it was originally a debt owed to " XXXX XXXX ''. I know this is fraud because I have never opened up an account with them. I am dumbfounded that this is even happening. I have not contacted the collection agency. this " complaint " is my first step in trying to resolve this. 
it is not fair that something like this can happen and i had no knowledge of it. 
at the very least i should of been contacted about this debt before it was given to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/2023, we closed on a property purchase using an 80 % Loan to Cost loan from ACRA Lending located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The servicer is Citadel Servicing Corporation XXXX Acra Lending, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Our lender communicated a specific rate of 9.99 % through out the negotiation process, upon which we based the transaction and the purchase. We inquired several times and were assured of the closing terms as agreed. However, at the closing table, the documents reflected an 11.25 % rate, very different from what had been represented.t o us all along. We requested clarification and have been unable to obtain a satisfactory remedy from the lender. Their response was that there was nothing they could do about the change, that while they did not communicate the change in the rate and led us to believe our original rate was unchanged, they were not obligated to provide disclosure. 

As customers, we believe we were adversely disadvantaged by the lenders unfair change to the rate as previously agreed to. In addition, their slowness and incompleteness of communication had a real impact on the transaction including closing delays and timeline extended, leading to loss of revenue on the lease. Our resulting loan settlement required significantly more cash to close, there were multiple appraisal revaluations, unclear communication of certain terms ( such as the prepayment penalty ) and most impactful of all, the change in the rate I am filing this CFPB complaint unsuccessfully resolving the matter with the lender.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-05 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: MD

Complaint narrative:
I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when TransUnion, XXXX, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit report

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 2023-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Upon turning XXXX I checked my credit for the first time as I was denied for a starter card. When checking I saw that I had a closed account with Capital One that was effecting my XXXXredit score terribly to the point where I can not even get a secured card. I've tried to reach out to credit bureaus to no avail. I did not make the account, my personal information was used and I was a XXXX  when the account was made and its been months of fighting just trying to get this off of my credit. I'm just looking for sometime of help at this point. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been XXXX. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 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. 1681 s-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 response to consumer: Closed with explanation