vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Paid a car off in full on XX/XX/XXXX. All account information shows the entire balance paid off, XXXX owed, all being cleared and approved on XX/XX/XXXX. The payment has cleared all systems, chase bank has closed the loan and my account due to it being paid in full. 

It has been XXXX weeks and Chase will not mail any sort of XXXX XXXX paperwork. The car has been sold, the new owner can not title it due to waiting on Lien Release from Chase. I have visited Chase Bank local branches and told since its an XXXX XXXX, it must come from corporate. 

I have called Chase Bank and they still can not tell me when they will send a Lien Release. They tell me it could be this week, could be next, it takes time in the mail. I have asked to have it emailed/faxed/ability to pick up at any local branch, they refuse as they can not do anything for me as my account has been paid in full and closed. 

This extend delay is causing financial hardship. Its 2023, once the payment clears and if verified, why this extended hold up? 

Chase Bank has assured me my account/loan is paid in full. They have assured me all payments have been cleared. They assured me my load was closed due to paying it off in full over two weeks ago. Chase can not tell me when they will email over a Lien Release so the car can get re-titled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had trouble making payments they promised to work with me while I was gone from my home they came in and got rid of my stuff and changed the locks.

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 2023-01-24 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: PR

Complaint narrative:
THIS ACCOUNT IS SHOWING A INCORRECT DATE OF LAST PAYMENT AND A INCORRECT BALANCED OWED. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from Trans Union is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt Transunion or XXXX XXXX XXXX XXXX believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a longtime Wells Fargo customer. Checking, Savings and Mortgage... I know there is damages claim currently active and Wells Fargo is supposed to be contacting me and informing me how to file my claim. 

I have not received any communication through them.

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MO

Complaint narrative:
The XXXX XXXX XXXX in XXXX XXXX Nevada towed a XXXX XXXX XXXX as a removal service in XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ' The Tow XXXX XXXX XXXX then called me to determine if that vehicle was mine and attempt to collect ( via racketeering ), on storage charges for the vehicle. Allied Collection Service and The XXXX XXXX XXXX work together to create fake charges for racketeering. I sold the vehicle in XX/XX/XXXX to an individual. His name is on the back of the title wherever that is. I also have a bill of sale. The XXXX XXXX XXXX claims I owe them the storage fees for a vehicle I had sold almost XXXX years prior. If the vehicle did belong to me, XXXX XXXX XXXX XXXX failed in their due diligence to notify the possible owner of the vehicle they had possession of it, nor did they give the potential owner the opportunity to recover said vehicle. This is a XXXX  scheme from start to finish.

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 2023-01-24 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 i get a credit alert of a collections hitting my report. I have not received any letters in regards to the debt nor have a i received any verification, of the debt. 

The debt collector failed to validate the debt. By law 15 usc 1969g Confess states they must provide all XXXX requirements. Pursuant to 15 usc 1692g XXXX does not state that providing this validates the debt, pursuant to the FDCPA. 15 usc 1692a 5 ) XXXX ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Furthermore under 15 usc 1681 Consumer reports are our reputation and furnishing a bad debt has ruined the reputation of the consumer ( myself )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
Commonwealth Financial XXXX, located in XXXX XXXX Pennsylvania, created an account on XX/XX/XXXX, in my name, referencing a {$790.00} medical debt originated by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the Commonwealth Financial XXXX  opened a collections account, also in my name, declaring that this account was in default. This information was then sent to all three credit bureaus thereby negatively impacting my credit report. I learned of this from my identity monitoring services, even though all three credit bureaus posted the information on my report as correct. I have never received any notifications, in regards to this, from Commonwealth Financial XXXX. This alleged medical debt is six years old and is beyond Virginia 's 5 year statute of limitations. That makes this appear to be a fraudulent attempt at collecting an expired alleged medical debt. I unsuccessfully reached out to XXXX XXXX XXXX XXXX using the many different phone numbers listed for them online but they are unreachable or no longer in business. I also sent a certified dispute letter with receipt request to Commonwealth Financial XXXX. I informed them of the expired nature of the alleged medical debt, according to Virginia 's statute of limitations. I also pointed out the illegal nature of their actions and to only contact me in writing to inform me of their termination of this alleged medical debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Paid rent on XX/XX/XXXX via XXXX XXXX online as I have done without issue before. Rent check showed as delivered and deposited within a few days. On XX/XX/XXXX, I received a text from my landlord that he had not received rent check. After some discussion, we determined that it must have been stolen from his mailbox or during transit. The proof of payment provided by Chase clearly shows the check was endorsed by someone other than my landlord, they signed it with a completely different person 's name.

I called Chase to let them know a check had been stolen and deposited by someone who was not the payee. After hours of being transferred between different departments, they opened a claim, Claim # XXXX, and issued a temporary credit for the amount of the check, {$2600.00}. 

A few days later, they emailed a PDF with an affidavit for me and my landlord to fill out to describe the issue and attest to what happened. We both filled it out, and on XX/XX/XXXX, he faxed it to the fax number listed on the claim form, which belongs to the Chase claims department. 

On XX/XX/XXXX I received an electronic letter from Chase stating that my claim had been closed, that they had determined the check was processed normally, and that they would be debiting the previously refunded amount from my account. I called to let them know this was in error, and they said that because they had not received the affidavit, they were closing the claim. I let them know when and where the claim was faxed to, but they claim to have never received it.

They are now opening a new claim, but with no refund given for the stolen check, and are saying that the investigation process will take 90 days, upon which I may be given a refund if the claim was determined to be valid. I have to go through the affidavit process all over again, and take further steps to ensure that they actually process the form once it's been faxed and mailed once again.

This is a nightmare, and I am out {$2600.00} because someone stole the check I sent via Chase XXXX and deposited the check, with an endorsement that is clearly not the signature of the payee. On the CFPB website it states that banks are responsible for ensuring the check endorsement matches the identity of the payee. That did not happen here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: TX

Complaint narrative:
They have called me numerous times throughout the day. They have called my workplace and relatives who are not authorized and have provided personal information. When I have called the telephone number, they have treated me badly and have spoken to me with the threat of taking me to court. I have asked them to send me detailed information about the debt, company and a payment agreement that I can afford, but they don't want to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: DC

Complaint narrative:
This card was a gift valued at {$500.00} and I received it in XX/XX/XXXX. It was in a drawer in Washington XXXX DC. In XX/XX/XXXX, I checked the balance and it was {$2.00} and there were 5 transactions totaling {$490.00} that occurred on XX/XX/XXXX at " XXXX 's '' which appears to be a grocery store in California. As soon as I discovered this I called InComm Customer Service and submitted a fraud dispute along with all the required documentation. The email told me that I would receive an email resolution in 45-90 days. Nearly 9 months later, I have not received any correspondence despite following up twice. This is clearly fraud and they have not protected their data as the card was no where near California when the transactions occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. 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 mare 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 persom knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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:
This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( XXXX ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX OPEN XXXX XXXX OPEN:7/11/2021 XXXX Orgianal creditor : XXXX  XXXX XXXX Open XX/XX/2022

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