vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Deposited a cashiers check for {$40000.00} from XXXX XXXX into my Bank of America checking account on XX/XX/2018. Bank of America will not honor the cashiers check and is holding my funds until 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
Consumer complaint received 2018-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, JP Morgan Chase received my pay off amount of {$19000.00} for the lease buy out ( lease XXXX ) of my XX/XX/XXXX XXXX XXXX XXXX XXXX VIN XXXX As of today XX/XX/XXXX, I have yet to receive this title. I have called Chase numerous times and they always tell me they either don't know where it is or that I should get it soon. 

This is unacceptable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting access to my credit report through XXXX XXXX. The status listed under XXXX XXXX shows Equifax block forwarding updated copies of my report since XX/XX/2017. 

Furthermore, I have contacted Equifax several times to tried to resolve this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation of the FCRA and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: MS

Complaint narrative:
XXXX and GM Financial are is reporting " NR '' -No Rating for the payment history of XX/XX/2018 ( XX/XX/XXXX. ; XX/XX/XXXX. ; and XX/XX/XXXX ). My account was paid in full and on time each of these months. The failure to accurately report my POSITIVE payment history is negatively effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I opened a CD at bank for my mother, XXXX XXXX XXXX, in which I was POA. I was told at the time by bank that I could not have a POD with a POA. In essence all this is the banks fault for not telling me what would happen with no POD listed on the CD originally.

My mother, passed away on XX/XX/XXXX, and I have been taking care of her estate since she nominated me as her executor/and only survivor in her Trust and a Will that is part of her Trust.

I notified bank and reported her death and mailed what I considered to be the banks requested documents : her death certificate ( original ) ; notarized paper stating that I am ( from XX/XX/XXXX ) making myself successor executor of her Trust due to declining health matters that she was experiencing ; and my ID.

XXXX XXXX letter dated XX/XX/XXXX, states that they had received documents and that there was one last step to closing account and that was an Estate Distribution form that was signed by me and notarized and returned to bank.

I received another letter from Bank dated XX/XX/XXXX asking for the original documents that they acknowledged to having already received. I telephoned bank and their phone rep was no help in this matter. He stated that bank now wants a Letter of Testamentary.

I then mailed a cover letter with parts of her Trust relating to successor Trustees and her complete Will stating that I am the Executor and only survivor and noted beneficiary within. I have never heard from bank at anytime during these months of trying to close out account, other than the 3 letters wanted documentation or asking for a notarized signature to disburse funds.

I e-mailed the CEO of XXXX XXXX  located I believe in Utah. In turn, I get a phone call from a problem solver with bank which was just another telephone rep reiterating the need for a Letter of Testamentary which is a court document. I have explained over and over to bank that this Trust and Will is not going to probate but they just dont get it.

I am a senior citizen myself and reside in South Carolina. My mother resided in Nebraska and passed away there also. If bank wanted this document originally they sure didnt ask for it. This coming back again and again asking for things dragging out a customer request is not fair business practice.

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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I keep getting phone calls and text messages from XXXX. They do not leave a message, but text message says it was XXXX XXXX  about collecting debt for an account with XXXX XXXX. I have never shopped there and don't wear glasses. I've gotten approximately 15 calls from them in the past week. I think someone must have given them my number or that they have my number by mistake.

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 2018-07-07 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: MS

Complaint narrative:
Equifax is still reporting " 30 days late '' on my credit report.for the XXXX XXXX   account. XXXX XXXX has notified Equifax that their company should have never reported a 30 days late in XX/XX/2017 on my account. Equifax has also been notified by XXXX XXXX  that a manual update was entered to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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 checked my credit report from XXXX, Equifax and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/2017, I used my Chase XXXX  credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX. with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a significant attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant on the dispute and appeals. In addition, Chase appeared to be pencil-whipping through the dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling to perform additional research or request further documentation in an effort to investigate the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I was trying to help a friend bail out of jail. I was to talk with his mom and help take paperwork to bail bonds. He was frighten in jail and thought that he might get hurt. So I was trying to help when I got to XXXX 'XXXX XXXX   XXXX XXXX his mother did not show up to do paperwork I brought the money to bail him out but she was suppose to sign for him. I just met the guy when I was in court for a ticket. They told me he would not get out unless his mom was there. I said in well I did what I could. Then the guy told me if I gave him the money and my name he could get him out. I said are you sure he said yes. I said ok. The inmates name was XXXX XXXX date was XX/XX/2016. I would like for them to take this off my credit because never signed up to pay this myself. Please talk with them. Thank you XXXX XXXX. That's all the information that I have they wouldn't even talk with me. XXXX XXXX XXXX. XXXX XXXX XXXX {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: NC

Complaint narrative:
I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: FL

Complaint narrative:
I checked my credit report from XXXX, XXXX and Transunion and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it 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 2018-07-07 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: FL

Complaint narrative:
I checked my credit report from Experian, XXXX and XXXX and saw and incorrect account being reported. Ive contacted the collection agency and they were unable to validate the debt. They threatened to sue if I didnt pay the debt but provided no information. I want the debt removed as it 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 2018-07-07 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX XXXX my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run on XX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: CA

Complaint narrative:
On EXPERIAN, XXXX XXXX XXXX, ACCT. NO. XXXX IS REPORTING INACCURATELY.I have tried to remedy with multiple disputes to Experian and XXXX. 
AMONGST THE NUMEROUS ERRORS OF THIS CARELESS REPORTING I AM INCLUDING PROOF THAT EXPERIAN CAN ACT ON UNILATERALLY WITHOUT CONSULTING THEIR SUBSCRIBER ... ... ... 
ON THE ATTACHED REPORT, XX/XX/XXXX PAYMENT SHOWS OK ON TIME, FOLLOWED BY XX/XX/XXXX SHOWING 90 DAYS LATE, AN IMPOSSIBILITY. 
I WOULD LIKE FOR EXPERIAN TO DELETE THE PAYMENT HISTORY IN ENTIRETY. 

ALL OF THE LATES WERE CAUSED BY XXXX AUTOPAY A SYSTEM THAT SENT BACK PAYMENTS TO THE BANK OF ORIGIN WITHOUT NOTIFICATION AND THEN GAVE ME THE LATE PAYMENT HISTORY, THAT IS THEIR FAULT. 
PLEASE FINE EXPERIAN FOR THEIR LACK OF ATTENTION TO MY DISPUTES AND PUBLISHING LATES THAT ARE IMPOSSIBLE TO ACHIEVE.THIS PYMT HISTORY HAS NO VALIDITY, ACCURACY OR INTEGRITY FROM THE SUBSCRIBER.

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 2018-07-07 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: MI

Complaint narrative:
I have filed a police report on these accounts and they were deleted from my credit report then put back on a month later! XXXX XXXX was opened XX/XX/XXXX in Michigan. I dont even have a Michigan Identification or DL and I havent for years. This car was stolen and I was sent a letter that it was in impound and picked up by XXXX XXXX. The balance shows {$24000.00}. Please remove this from my credit reports ... all 3! Also, XXXX XXXX XXXX was opened XX/XX/XXXXand has a balance of {$1200.00}. I did not open that account. I only have one account with XXXX XXXX XXXX  to which Im just an AUthorized User. There are also several debt collection agencies from XXXX XXXX XXXX with balances of {$580.00} and {$530.00} from XX/XX/XXXX. Another from XXXX XXXX in the amounts of {$430.00} and {$290.00}. Also XXXX XXXX XXXX XXXX. My personal credit bureau information was stolen, addresses were changed, and my Michigan address is being used even though Im never in that state. Please help me get these inaccuracies off my credit. There are also 29 INQUIRIES that I did not authorize or do that were already removed and appeared to my credit again

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 2018-07-07 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, Principle XXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 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: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Unauthorized Credit Inquiry -Second Request Dear Sir or Madam, XXXX XXXXXXXX submitted my credit to you after I specifically told them not to. They have been untruthful, unethical, and unapologetic in their business practices. I have already contacted them and they refuse to correct their behavior. To show their recklessness with my personal information to include my credit I have enclosed documentation. Unfortunately they have put your company at risk an action must be taken to correct the record. Specifically The buyers order that they sent to me minutes before sending to you is totally different. The amount financed on my copy is {$30000.00} The copy that was submitted to your organization was {$32000.00} a difference of {$1400.00}. Why would I want to pay more and why would I ask them to run my credit after I got a purchase order so I could obtain the loan on my own? I told them not to run my credit again. It is clear and can be proven I did not authorize this inquiry. I included a copy of an email that states exactly my situation and what I am looking for. This includes no money down, an early lease turn in/or buyout, and a lot of negative equity. My credit score was run onXX/XX/XXXX when I came in to the dealership and came back at XXXX from XXXX. Based on all of the above information I would expect that the sales manager is trained to know what options if any are available without having to run my credit over and over as was done in this case. In addition I am sure there are guidelines for each bank based on specifically the information that has been provided ( examples ) credit score, amount financed, ratio of loan to car value etc. I am requesting for a second time for this unauthorized inquiry to be removed. Failure to comply will result in complaint to the XXXX XXXX XXXX, Consumer Protection Financial Bureau as well as the FTC. I expect the unauthorized inquiry to be removed within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation