vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX, on XX/XX/2021 I tried to to withdraw some money from my Chase bank account ATM my chase account is XXXX and I couldn't get any money out. I went into the bank and no answers was given to me. The bank manager told me to call the XXXX number which I did but no real answer was provided to me. I called XXXX days after days, months into months. So in XX/XX/2021, I called the bank and they said my account has to be closed. Account was closed and my name and info is flagged. I can't open bank account with any bank right..am not sure why my account is flagged. Please help me. 

Same happened simultaneously with my account with XXXX XXXX XXXX, my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MD

Complaint narrative:
In accordance with the fair credit reporting act 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 to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also state 's a consumer Reporting agency can not furnish account with out 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 non-monetary relief
Consumer complaint received 2022-04-19 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: LA

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 Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 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. 

Equifax and XXXX is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-19 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: MD

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 # XXXXXXXX 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 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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I have a mortgage with AmeriSave on my primary residence in XXXX and make payments into an escrow account held by AmeriSave to pay my taxes. 
On or about XX/XX/XXXX, I received a letter from the Town of XXXX stating that AmeriSave had not paid my XX/XX/XXXX taxes due XX/XX/XXXX. I immediately contacted AmeriSave customer service who directed me to send an email to their Research Department with all relevant information, which I did on Friday XX/XX/XXXX. 
I did not receive a response from AmeriSave until XX/XX/XXXX, when XXXX XXXX notified me that she had initiated research into this issue. I responded to XXXX XXXX highlighting that the Towns letter indicated that payment was due by XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that AmeriSave was working diligently on the issue and that she would continue to provide updates as the matter reaches resolution. 
It has been a month since XXXX XXXX last correspondence, I have contacted both XXXX XXXX as well as AmeriSave Customer Service. Customer Service stated they would again escalate the issue and a supervisor would contact me within 48 hours. I have not received any further communication from anyone at XXXX. 
In speaking with the Town, they have advised me if AmeriSave does not pay the past due taxes by XX/XX/XXXX then Massachusetts law requires the Town to place a notice in the paper followed by recording a tax lien with the Registry of Deeds. This will cause me both legal and reputational harm

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
HUNTINGTON NATIONAL BANK XXXX This account has always been paid on time. Proof of payments from XXXX XXXX XXXX have been submitted and have been ignored. I need my payment history fixed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I received a bill from XXXX XXXX  for cable service and a XXXX device in my Mom 's name in XXXX or XXXX of XXXX. My mother who died in XXXX of XXXX. There's no way she could have or would have ordered cable service even when she was alive. Now I'm receiving a debt collection notice from Amsher Collections Service in My Mom 's name. The original charter bill had no way to contact them. No email. No Phone Number. ( Can you say scam? ) I don't appreciate it that an employee at XXXX has accessed a list of deceased people to most likely get commission credit for completing sales. I know I don't owe the debt because it is not in my name, but it is very disturbing to continue to receive bills and now dunning notices in your deceased parent 's name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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, XXXX  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-19 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, XXXX XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I recently applied for XXXX XXXX credit card, for dental implants. I applied initially to Synchrony bank. I was denied. I did not understand, because I have good credit, which I check all the time. I then applied through another company, and was approved right away, up to {$10000.00}. So now I am really curious why I was declined for service by this bank. 
I got the denial letter, two weeks later. The claim on the letter said I was denied because I already had an existing account. The information was not correct. I had never heard of the bank, nor were they ever on my credit report. 
After calling and investigating why I was denied, the agent on the phone, XXXX, put me on hold, came back with an unacceptable answer. He said I was denied, because a few years ago, someone applied to XXXX XXXX, with my social security number, which is still in their system. I asked them, how could someone use my social, and this info not show up on my credit report. He did not have an answer. 
As a consumer, I take pride in watching and monitoring my credit report. I am very familiar with what is on the report, because I check it all the time. I have not been denied credit in years, so, I thought I better follow through with this complaint. It does not make sense, therefore, I am asking for an investigation. I am also attaching letter of approval from the XXXX XXXX, in the amount of {$10000.00}, when I applied with them. 
Thank you in advance.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX which is incorrect. As stated prior I have NEVER had insurance with XXXX  insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
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: World Omni Financial Corp.
State: SC

Complaint narrative:
On XX/XX/XXXX I electronically paid off the entirety of the debt on my car, on XX/XX/XXXX the money cleared my bank. monday XX/XX/XXXX I go to the dmv to get my title and the DMV tells me that omni has not released my title. As soon as they electronically release my title I will be able to get my title I call omni on XX/XX/XXXX and they tell me they can nor release my title for several weeks because they have to make sure the bank can not recall the money, but if I go to the bank and get the bank to say that they will not ask for the money back they will release my title all I have to do is fax them a statement from the bank showing that the payment is good. I go to the bank get a statement showing that the money actually came out of my account, the bank manager assures me that they can not recall that money, then they put the bank stamp on it. 

The omni person told me to put her name on the fax, " XXXX '', and I was to fax it to XXXX, with early release, and proof of payment/cleared bank highlighted on the paper I sent it. She said that they could get it released by the next day. 

I call then ext day on XX/XX/XXXX and now a new person says that they wont even get the fax for 72 hours.

They are just making me run around and jump through hoops. I need my title now, not several weeks from now. All they have to do is press a button to release my title electronically and they refuse even though they have the money, and proof its been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CT

Complaint narrative:
According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of ED/GSL/ATL XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX. XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it 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 non-monetary relief
Consumer complaint received 2022-04-19 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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Traded vehicle in and it was paid off but still is showing I owe on the vehicle

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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have XXXX credit cards with Citibank and have since XXXX and have never been late and pay my cards off every year. 

In XXXX of XXXX Citibank lowered the credit limit on my credit card after a late payment was reported. This late payment was disputed and removed from my credit report. 
However, Citibank refused to raise my limit back up and this caused a XXXX point drop in my credit report. 
Now, XX/XX/XXXX, Citibank is using this XXXX point decrease in my credit score, THAT THEY CAUSED, to lower my credit limit on my XXXX credit card with them. This is also now impacting my credit score.

I have tried to discuss with Citibanks 's CS and they give me the run around saying it is tied to my credit report and to review that even though I have explained the error. No one listens or cares that they are affecting my finances.

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