vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: TN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-03-01 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below has violated my Federally protected consumer right to privacy and Confidently under 15 U.S.C.1681S-2 ACOUNT NUMBER XXXX IS A CHARGE OFF ITS A CANCEL Furnishers of consumer information. 
I WOULD LIKE THIS DELTED ASAP PLEASE THIS ACOUNNT HURTING MY FAMILY FINACIAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I recently received a job offer from " The XXXX XXXX '' to work as a data analyst on XX/XX/2023. After accepting their offer, I was asked to send over my contact information ( i.e. name, email, and phone number ) by a supervisor by the name of XXXX XXXX so they could send over to their HR department to set me up with orientation. I didn't think too much of it because I thought it was protocol. Little did I know, I started seeing fraudulent XXXX wire transfers from my primary bank account. I don't use that platform at all for money transfers. It got so bad I had to close my account and open a new one on XX/XX/2023 over the phone which took a couple hours. I filed a claim on the same day so I am waiting to see the results which can take 10 business days. I also contacted the HR of the Company by phone on XX/XX/2023 to let them know about the situation. The phone numbers for the Company are XXXX and XXXX. Below are pics I have found so far.

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 2023-03-01 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: TX

Complaint narrative:
I'm an identity fraud victim. and filed identity fraud affidavit with all bureaus and creditors. the issue rises when XXXX XXXX reported a frequently opened account in my name and was sent the fraud affidavit but wont remove or delete the listing. EXPERIAN XXXX both reporting chargeoff/collection and XXXX reporting 120 days late. 
How is this possible. XXXX XXXX knows the account doesn't belong to me and you can see that clean from their reporting across 3 bureaus. Late on one and Charge off on the other two. EXPERIAN XXXX AND XXXX all reporting different information.

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 2023-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Good Morning, Due to hurricane Ian, Goldman Sachs stated in a email that I [ XXXXXXXX XXXX ] can withdraw early from my CD account [ XXXX A/c XXXX ] without penalty because I lived in XXXX, Florida which was affected by the hurricane. However they did not fufill this and instead the penalty [ {$140.00} ] still applied. I tried to raise this issue to Goldman Sachs on XX/XX/XXXX [ CaseID XXXX ] but there has been no progress for a month and still getting unconfirmed delay. I have attached all the required documents and please take the necessary action to get my penalty funds back to my savings account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: CBC Companies, Inc.
State: NC

Complaint narrative:
This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-03-01 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: TN

Complaint narrative:
I sent a letter on XX/XX/2022 to Experian. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the la

w 15 U.S. Code 1681a- Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-03-01 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OK

Complaint narrative:
Previously submitted this complaint and received a response which is not accurate from the company. The original complaint ID # is XXXX. The company responded they did not rec the fraud. I have submitted 2 different forms on 2 different occasions and as per an email they sent me the wrong form the first time and had me complete a second form. I don't understand why they say this is not being reimbursed due to a lack of fraud from submission. I have filed police reports, fraud reports, etc. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I maintain my checking account at Chase Bank in New York. On XX/XX/2022 I mailed a check from my account to XXXX XXXX XXXX XXXX for {$2300.00}. That check was intercepted in the mail and never received by the intended recipient. I discovered the issue in XX/XX/2022 when I saw that the check wasn't deposited against the balance I owed. I then checked my account online and observed that the check was endorsed by a person named " XXXX XXXX '' and remote deposited in an account at XXXX Bank in Delaware. I immediately informed my Bank, Chase, and filed a local police report here in XXXX XXXX, New York. I completed a form for Chase called a " Declaration of Unauthorized Endorsement or Altered Item '' report and I was assigned a claim reference number ( XXXX XXXX ). I was then informed by Chase that they needed to submit a claim with XXXX XXXX  and that XXXX XXXX  would investigate and then pay the funds back to Chase which would then credit my account. I provided a copy of the check that has the account number of the account the funds were remoted deposited in. Over the last 6 months I continuously communicated with Chase regarding the status of my claim and was told each time that they were awaiting a response from XXXX XXXX. Finally, this week I was told by Chase that XXXX XXXX  denied the claim without any explanation. I also called the XXXX  Police Department since XXXX XXXX  is headquartered there and they told me it wasn't in their jurisdiction but that they have received numerous similar calls. I also saw online that XXXX XXXX  acknowledged that they had a major issue with fraudulent accounts and for a period of time they suspended issuing new accounts. Chase advised me they have no responsibility to me and that it was XXXX XXXX  's issue. This leaves me with no recourse since XXXX XXXX  inexplicably and without justification is denying the claim. This situation is egregious. Either Chase or XXXX XXXX  needs to accept responsibility and reimburse me. I am not providing account numbers in this complaint for security purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN PACIFIC MORTGAGE
State: IN

Complaint narrative:
SEE ATTACHED - I WANT TO ADD THAT WHEN THE LAST OF THE DOCUMENTS(Tax Returns, see attached) REQUESTED BY THE LENDER/ SERVICER WAS RECEIVED ON 1/19/22, THEY HAD NEVER SENT ME AN UPDATED LIST ON DOCUMENTS THAT WE "RECENTLY" NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had a Home Depot credit card for several years. They automatically add promotional offers to any and all purchases including small purchases of about {$11.00} and {$26.00}. They did this without me agreeing to the promotional period of no interest. Unless I paid the card off in full they added over 50 percent interest after 2 years. They added a promotion to all my purchases resulting in this very steep interest rate being applied. The offers they send out even say must be applied to a large purchase. Apparently {$11.00} is large. They threaded me with {$2000.00} of interest unless I paid my balance in full. At that time {$2000.00} was higher than my running balance.

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 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
I would like to note, that I had pre-approvals through two additional companies. However Network Funding was willing to match the received offers, and my agent recommended. Moving forward, I was quoted two different interests rates not knowing neither were locked in. Also I had to repeatedly forward my personal documentation even after my supposed closing date. 
I was contacted by the title company, on my closing date. My settlement statement had been received and I was aware of my closing cost. I had my cashier 's check in hand, only to find out that my file was still in underwriting. I had to find out through the tite company, not my OWN loan officer. 
I had made several phone calls trying to understand the mishaps. Only to be forwarded to voicemail or to have emails requesting more documentation. I have forwarded the same documents more than once. As well as paying out of pocket for my homeowners insurance, per Network Funding request. I am at a loss, because I still can not get any answers as to how my file made it to title. Even with my settlement statement and I could not close.My deal falls through and I loose my earnest money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXXNI XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX ACCEPT XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX CT FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  FL XXXX XXXX XXXX Bankruptcy XXXX XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA. 

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I've already disputed these items, but they did not remove them nor prove validation. 
XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: NC

Complaint narrative:
Transunion has not done a thorough investigation with the following collection agencies. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has been reporting false, inaccurate and fraudulent signatures to verify a debt that is NOT mine. I've asked for validation forms with my original signature and have not received any documents binding me to said debt. One document was forged and does not contain my original initials or signature. they also have documents with my name spelled incorrectly numerous times leaving me to believe they do not know who the debt belongs too. This debt needs to be removed immediately.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XX/XX/ Traveled on XXXX XXXX ( 4 flights ) Flight crew pushed passengers to sign up for aviatormastercard ( Barclays Bank ) Promoted no fee for the first year and XXXX free bonus frequent flyer miles We signed up under XXXX XXXX and XXXX XXXX They ran credit and issued the cards We called to activate and were told we had to pay {$99.00} and the info regarding the 1st year at no charge was in accurate. We explained that XXXX XXXX promoted this on 4 different flights. It was part of their inflight announcements. We also have a copy of the brochure outlining the same information. They asked for the promocode which we gave them from the brochure. ( promo code XXXX ) The agent on the phone said they would open a case and we would hear from someone with i 24 hours. It has been 2 weeks and nobody has responded. 
As of our last communication we were told we owe {$99.00} and the account is closed. 

This is total bait and switch and running credit followed by cancelling a credit card effects our credit score. This is un acceptable. We expect the terms as promised. 
If XXXX XXXX and Barclays Bank whishes to sell credit cards they should be held to legal standards in advertising and promotions.

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 2023-03-01 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: TX

Complaint narrative:
XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

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 2023-03-01 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: TX

Complaint narrative:
XXXX reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to XXXX on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

Company response to consumer: Closed with explanation