vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX is reporting inaccurate information on credit report I have constantly challenged bad information on credit report it's not accurate according to federal law their practices our shady practices are against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2021 I placed an order on XXXX for {$1100.00} and upon delivery days later my order never showed up, on the tracking information from XXXX it showed that the scheduled delivery is unavailable due to the package being lost in transit and XXXX acknowledged that the package was lost. I filed a dispute with Chime and I feel I wasnt being treated fairly because they denied my dispute and closed my case. I feel they did not care to help me, until this day I still never received my package and this package was supposed to be a XXXX gift for my son. I receive social security income and receive only {$840.00} a month and worked very, very hard to save this money. Losing {$1100.00} is a big deal and Im extremely saddened and disappointed by the resolution my bank provided me. I reached out to the merchant at XXXX and showed him a screenshot of the tracking info and asked if he can help me with a replacement or a refund and the merchant ignored me and never messaged me back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
It is a new season and the time for people that are in low to moderate debt like myself to fix their reports are now. Within the past year my accounts have been overcharged, froze, added monthly fees for an example reporting that I owe twice in one month and dont ( XXXX XXXX refusing to accept payments ( Capital one ). 
My history of credit isnt too good. Lets take a look into why Im authorized XXXX credit cards without XXXX benefits/limits. For over 15 years only authorizing {$200.00} credit limits with several companies. I have often thought am I case for a loan shark? Or is it credit agencies stopping me as soon as they lend me the credit also considering is the healthcare provider Im using targeting my personal welfare. 
Nothing is clear about the lengthy process in history of wanting Excellent credit but only rated poor. Thats not fair. Today I owe {$24.00} to Capital One they will not accept my payment. XXXX has falsely reported XXXX late payments and I dont owe. 
How can I get assistance with small businesses passing my information from desk to desk. 
I want good credit and I want it Now. 
Your so kind for properly handling my case today. 
*Please note I am U.S. citizen not an Alien. * Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.

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 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
i started having problems after I bought a car at XXXX in XXXX XXXX XXXX, La. they took my deposit on my vehicle out 2-3 times ( i will know for sure when i get chase to show me my account ) they would do a REVERSAL on the deposit and other bills. I didnt catch on to the other bills until i got a letter saying my insurance had lapsed. I looked at my account and they were reversing bills repeatedly, XXXX would not do anything. I have had 3 personal loans taken out in my name, my credit cards ran up and my credit score dropped from a XXXX a XXXX. I was building a house and i lost it right before closing bc of my credit score. It was XXXX time. My kids were devastated and I feel like a failed mother and I dont know how to make him/her stop. Ive changed cards, banks, phones, and phone numbers A loan made with One main Financial for 8000, a loan for XXXXXXXX XXXX ( Ive never heard of them and dont know the amount. 

XXXX didnt help me when I asked them to put a freeze on account costing me approx 2500 and causing my insurance to lapse and go up 300a month. 

I have a XXXX XXXX  card where at least 1,000 isnt mine, XXXX  about 500, XXXX most of it and i cant get in the account t to make payments to stop the fees. My XXXX card Im unsure of because I cant get into it. 

Whomever this has a pic of me holding my license and ALL OF MY INFORMATION. 

PLEASE GIVE ME MY LIFE BACK I also just saw i have a ridiculous Amount of inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/21 I was scammed by someone who had hacked into a company that I was paying an invoice through. My initial email was from the actual company XXXX XXXX in Massachusetts the follow up email a day later was from the scammer who hacked her email including bank routing info to Chase Bank. I paid the balance of {$15000.00}. XXXX weeks later I received a phone call from XXXX pools that her email had been hacked and had paid someone else. I filed a report through XXXX XXXX XXXX but the could not recover the funds. I tried calling Chase but the would not help, they said along with XXXX XXXX XXXX without the permission of the bank account holder who is the scammer they could not relinquish any information. Sound absurd that they have any legal rights after stealing money. And electronic check in my account to Chase Bank made out to Chase Bank and cashed there, and no one could help recover my funds. 

Info from scammer. 
XXXX XXXX our chase bank for ACH payment and below is the details you need. 

Banke Name : Chase Bank Account Name : XXXX XXXX Bank address : XXXX XXXX XXXX, XXXX IL XXXX Account : XXXX Routing : XXXX Thanks, XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
, On or about XXXX XXXX. I reached out to Caine & Weiner by telephone at XXXX. I was informed to request to speak to XXXX XXXX. I had already sent in prior letters requesting this company to verify this alleged debt. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When calling the number I was hung up on after I requested XXXX XXXX XXXX to verify the validity of this alleged debt, after calling back and explaining that I do have a right to this dispute. I was informed by XXXX XXXX that she would not speak to me and denying me my rights to any and all access to any information in my file because she thinks I should get a lawyer. If I would like to speak to them go online to company webite and submit a from stating that " I DO NOT HAVE A LAWYER, I WILL NOT SUE AND PAY THEM ''. I did not understand why I would have to do this went I sent in numerous letters requesting to verify this alleged debt and how am I obligated to pay it. However, XXXX and other customer service reps also gave me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: CA

Complaint narrative:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.

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 2022-01-30 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: CA

Complaint narrative:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Texas Child support Division is saying I am past due my payments are on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Issue 1. BofA allowed a XXXX transfer to be rerouted to another account in Kansas belonging to who knows. This was done by an individual adding my phone to their account which was done immediately prior to the transfer. Their ( BofA ) employees gave me the runaround until the time to file a claim ( which they would not allow me nor the sender to do, both are BofA clients ) had passed. Fraud told me they were aware of the problem. Had been for some time, and they are unable to do anything about it. ( Not even tell the customer. Cost me countless hours, a customer, and {$300.00} Issue 2 : fraud department made sure to place my card on high risk causing it to get locked repeatedly week after week causing me to go without food or beverage while working in the desert heat Issue 3 : Unauthorized loan placing XXXX in account which went mostly unnoticed and caused confusion as to why they did that. I believe they did so in just the manner to be able to collect the most fees from their clients. They are taking the XXXX back out and I m not paying 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 2022-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting my closed account XXXX XXXX credit card usage as open and with 0 usage. This account is not active or open. XXXX XXXX is reporting XXXX XXXX as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX our house was damaged during Hurricane Ida. 
We filed claims with our insurance providers who paid a small percentage of the damage. 
The covered items were electrical, heating systems and unfinished Sheetrock plus a small percentage of contents which was approximately 30 % of our actual loss. 
Both insurances provided funds to repair the house but because we have a mortgage with JPMorgan Chase, both claim checks included the bank as a payee. The bank deposited these funds into an escrow account and blocked the disbursement of funds to us. 
The bank then instructed me to sign into XXXX in order to manage the disbursement of funds. After the initial inspection in XXXX XX/XX/XXXX which showed that all the items covered by the insurance payments were repaired, the bank issued a small percentage of the claim funds and claimed that I needed to complete the repairs in order to receive the rest of the funds, even when the claim funds did not cover any of the additional repairs such as painting, moldings, etc. 
We were forced to pay from our savings for all the repairs which were completed at the end of XX/XX/XXXX. 
Since then, we called the bank numerous times to request the release of funds without avail. 
After calling both the bank representatives and insurancecheckfunds.com ( also part of JP Morgan Chase ) numerous times we were unable to get the funds released. 
JP Morgan Chase is still keeping these funds at the writing of this complain on XX/XX/XXXX. 
Even when we pay our bills on time, pay for the insurances, pay our mortgage and never fail to pay ANY bill, the process of collecting the insurance claim funds has been incredible difficult and time consuming. 

In addition to this, after voicing our concerns we were told lies after lies by the bank employees. We were told that the funds were released twice but never received. 
Even XXXX shows all parts of the process completed for 2 months now but the funds not yet released by the bank. 

However the biggest concern is that we needed to have savings in order to front all expenses. 
If we did not have available savings XXXX young girls, my wife and I could have spent this winter freezing in our own house because of the way the bank handled this process. 

We would really appreciate any help to fix this process for us and all others in need that may not have extra money saved and could be put in such dire situation. 

Is this even legal? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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:
I hold Experian very liable for the poor representation of my credit. I have requested numerous of times to be shown proof of this fraudulent activity that keeps being updating to my consumer report without my permission which I firmly believe is a violation of the FCRA. The creditor XXXX XXXX  charged off my account XX/XX/XXXX and collected on the account as a tax write off but never sent me a 1099-c which by law I should have. Experian only reports what is given to them without concrete evidence of the situation that ruins the consumer ( me ) credit that I hold very important to my life, also my closed off XXXXXXXX XXXX XXXX  loan keeps reporting late payments that are also fraudulent, I was never late on payments. Experian was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I believe every time I send Experian a dispute about this situation they always send my report back as verified which is a violation of FCRA because they never send verifiable proof of who they spoke to or how they get this information. The privacy Act of 1974 guarantees my right to see records about my personal information, subject to the act 's exemptions. I can Correct a record or records that is inaccurate or incomplete unless it's exempt. The deceptive information that is being given out freely to other business about my credit is very disrespectful to me to the law according to the privacy act. Experian violates the law in so many ways when it comes to my consumer. I believe the FCRA states that Accuracy and Fairness should be followed and none of that is being practiced here, this account needs to be deleted at once, example, my charged off credit card from XXXX XXXX is reporting the wrong account number, date opened, last reported, high credit, etc, XXXX erased this account years ago and XXXX is facing litigation dealing with this inaccurate information. When I go apply for things or a new home I am told you are denied for approval because of this account which keeps reporting unlawful behavior. Litigation will be sought out if this matter is not taken care of.

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 2022-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have spoken with them several time in removing lates fees off my credit. My account have never been more than 30days late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: NY

Complaint narrative:
XXXX XXXX XXXX flagged a collection account on XX/XX/2021 for {$980.00} for original creditor XXXX. The amount was paid in full on XX/XX/XXXX. Please see see attached correspondence from both XXXX and XXXX XXXX XXXX that account is paid in full and closed.

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 2022-01-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD BANK REPRESENTATIVE ARE INSTRUCTED BY THEIR SUPERIORS TO INFORM CUSTOMERS THAT THERE ARE ONLY 30 DAYS POST STATEMENT AND POST THE POSTING DATE OF A DISPUTED TRANSACTION TO INTITATE A DISPUTE AND THAT THE ONLY WAY TO INITIATE A DISPUTE IS TO HAVE A TELEPHONE CONVERSATION WITH THE REPRESENTATIVES. BOTH ASSERTIONS ARE FALSE. THE FAIR CREDIT REPORTING ACT REQUIRES BANKS TO ALLOW 60 DAYS POST STATEMENT DATE, NOT POST POSTING DATE, FOR CUSTOMERS TO MAKE A DISPUTE. SECONDLY, THE FORM IS AVAILABLE AT 
https://www.td.com/ca/en/personal-banking/documents/pdf/credit-cards/TD_dispute_form.pdf
ALONG WITH FINDABLE INSTRUCTION ON ITS USE WHICH ARE DUPLICATED IN THE FORM. THIRDLY THE FORM INSISTS THAT CUSTOMERS SELECT ONLY ONE OF EIGHT AVAILABLE CATEGORIES. THIS CAN BE BYPASSED BY SELECTING OTHER OR NONE AND COMPLETING ALL RELEVANT SUBSECTIONS UNDER SECTION 5, ALONG WITH REMARKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I was charged XXXX for an XXXX ride to a local hospital. Although I never received written notifications from the city of XXXX, I researched myself and paid my bill in full on XX/XX/2022 using my XXXX XXXX card. Retail merchants association is refusing to remove this collection and also refusing to acknowledge that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted westlake profilio management in regards to a refund check I was supposed to receive from a gap insurance after refinancing my XXXX XXXX XXXX with another company.The representative informed that the check was sent out on XX/XX/XXXX and wasnt cashed until XX/XX/XXXX. On XX/XX/XXXX, I closed and moved into my new home. I wasnt living at the previous address located at the time the check was sent to nor did I cashed it on XX/XX/XXXX. I expressed my concerns to this issue and the company has never reached out to me nor did they sent a letter about the status of the refund check after XXXX business days. Ive submitted a complaint to the XXXX  in regards to solving this case. The company continues to dismiss my rebuttal claiming that the check was cashed by me with an identical signature signed to it along with no evidence of where the check was cashed. I requested to receive a copy of the signed check cashed and where was the check cashed but the company continues to dismiss the questions being asked. The only response they given is that they verify with their accounting department and changed the date of the cashed check from XX/XX/XXXX to XX/XX/XXXX as their final response. The company has been very unprofessional and doesnt respect their customers business after making consistent payments to them before my account closed on XX/XX/XXXX. I will attach evidence of the inconsistency of the companys statement along with not providing any proof to these statements that they are claiming the check was cashed.

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