vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 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: OH

Complaint narrative:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank one day closed all 3 of my personal credit cards. All of them have always been paid on time, I was never late for any payments, 99 % of the time the full balance was paid off. I regularly spent about {$10000.00} a month all cards together. During the pandemic, XXXX to XXXX, I had to pay some of my business bills through my personal credit card as I had limited credit and needed more cashflow runway. So my spending increased to about XXXX a month, but I still paid it off every month. 

One day on XX/XX/XXXX, I wake up to find by logging into my online banking that all 3 of my Credit Card accounts were closed, Chase Freedom Unlimited, Chase Freedom, and Chase Sapphire. 

No notice, no phone call, no letter. 

I called Chase. They told me that my accounts were closed and they can not tell me the reason why, and its irreversible. They told me a letter would be coming and to expect it, I asked them if it would explain anything. They said it probably wouldn't. I received it about a week later, and they are correct, it explained absolutely nothing. I've spoken to multiple representatives and my chase private client banker, and none of them were even able to tell me a reason as to why this would be and indicated that I would not be able to apply for Chase Credit Cards again, though it seems like that information they had on their computer was so very limited they weren't even sure themselves, or if I could open a business credit card in the future. So it seems that they've permanently ended my credit card relationship with them. This has affected my credit score and report, as they were the primary CC cards I used. 

I have multiple corporation and business accounts with them for XXXX XXXX. All combined we had a gross income of XXXX XXXX pre-covid, and after the pandemic started we dropped down to XXXX XXXX gross income. I will continue to keep trying to get my credit cards and my relationship back for the next couple of weeks. If nothing works out. I'm will be moving all 12 accounts out of Chase. 

Chase did not even disclose to me why they closed my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement  and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond,  within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2020-09-11 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: FL

Complaint narrative:
I have sent notification before that I am a victim of identity theft and this XXXX account which i did not authorize and is not mine is still reporting on my credit report

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 2020-09-11 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: FL

Complaint narrative:
I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : Enhanced Recovery for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Equifax is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and they still have not reflected the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I opened a CITI bank account package on XX/XX/XXXX and made the complete deposit of {$15000.00} on XX/XX/XXXX and I had maintained it for 60 consecutive days till XX/XX/XXXX, and I also set up a direct deposit which made me eligible for {$100.00} bonus, so total {$500.00}. I was told numerous times that I met the requirements and my bonus will be deposited within 90 days after meeting the requirements. Yesterday was when the 90 days were up. A couple weeks before that, I talked to one of Citibank supervisors to check on dates of when Id receive the bonus ( different reps would tell me different dates ) and he confirmed the dates for me. I also asked him how I can avoid a monthly fee if I want to move my money. He confirmed that switching to basic package would do it and having direct deposit set up. So we switched. After that I talked at least to two other reps and they confirmed my bonus dates. I called in today and Im being told Im not eligible for the bonus since I switched. 
Im very confused. Just a couple days ago Im assured I will receive the bonus, and now today Im being told something different.

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
m & t mortgage reports my mortgage as closed ... it is current and open..i opened a dispute with XXXX on XX/XX/XXXX ... I did file a bkXXXX that was discharged in XXXX XXXX.the state of ARIZONA doesn't require a home loan to be reaffirmed .I have proof of all payments being made on time and never late.I want my mortgage to report to my credit as open and current not closed .Please help!

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 2020-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: KY

Complaint narrative:
I opened an account with them on XXXX and did not know how to use it. 
I had not done much with it and on XXXX I got a letter in the mail dated XXXX for accounts ending in XXXX & XXXX stating they closed the accounts. 
I had not used the accounts and was puzzled. 
On the same day, I also got a letter dated XXXX saying welcome for opening your accounts on XXXX. 
I found this very odd. 
I called in and spoke with a lady who told me that the reason the account was closed was that I used my cell number which is from a XXXX area code. It was not the same as my address and it was considered fraud. I asked how a cell number I have had for a long time would be considered fraud just because its from a different state? She could not answer. So, I asked for her supervisor. XXXX XXXX got in the line and was very rude and unprofessional. He refused to address me by the title that I earned as XXXX. XXXX XXXX. He kept calling me Mr. XXXX after I addressed this to him. He would try to over talk me. He refused to provide me answers to why my account was closed. He told me he did not have too. I asked him that say question I asked the lady before and he refused to answer. I told him I worked for a news agency and wanted to know the media contact for the bank and he said he did not know the bank had one. He was very being very unprofessional in answering a question to a consumer. 
This bank and its side company need to be investigated. They need to provide answers to consumers as to why they close accounts and not just be allowed to close accounts with no accountability. Consumers have the right to get answers and not be stonewalled. 

After the complaint is submitted I will forward the letters for the record.

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 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a complaint against capital one auto finance but capital one auto finance responded that they own this account.for the past three years this account has been sold to a collection agency which was reported to the credit reporting agencies.it 's violation of all applicable federal and state laws for capital one auto finance to have account information in their data base after it has been sold to a collection agency.this is not a duplicate complaint as this company stated, this is a entirely different complaint that I submitted to your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I received notice that based on my credit score from XXXX in XX/XX/2020, my APR was being increased to 17.99 % on XX/XX/XXXX. 

I have had this card for about 10 years so I phoned to question why they were not using my current credit score rather than going back to a score from 5 months earlier. I was told that they intended to raise it sooner but due to Covid it was delayed. I closely follow my credit scores which are either XXXX or XXXX. I spoke with four different people and the manager told me sorry, there is nothing we can do about it. 

I feel I am being penalized just so the credit card company can get more money.

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 2020-09-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I sent a certified letter on XX/XX/20 to Navy Federal disputing an account being reported on my credit report as me being an Authorized User on a account, I have never had or been in possession nor asked anyone to allow me to be an authorized user on their Navy Federal account and would appreciate your help in correcting this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX : Application and deposit of {$500.00} submitted for home mort refi. 
-Terms : 3 % ; no points, no PMI, Close in 30-45 days. 
-Appraisal report contained factual errors and omitted information that placed property significantly below similar units, negatively impacted LVR. 
-Submitted a request for appraisal reconsideration along with supporting info on XX/XX/XXXX ; told it would be a five day turnaround. 
-Communication basically stopped at that point, no response back regarding results of reconsideration or application process updates. 
-Multiple voice mails/E-mails sent from XX/XX/XXXX to XXXX to several AMERISAVE points of contact and customer service With no response re updates. Review posted on XXXX XXXX, call from AMERISAVE on  XX/XX/XXXX. Informed that the reconsideration was denied and told my options would all include significant cost increase ; no report or paperwork sent re the reconsideration denial. 
-Requested deposit refund due to to deceptive practice, appraisal with errors, unacceptable customer service/communication and inability to use my 14 day grace period following a hard credit inquiry to f/u with other companies due to their delays. 
-AMERISAVE Manager XXXX XXXX was rude and condescending and said we dont have any control when I again requested my deposit be refunded. 
-Filed a XXXX complaint against AMERISAVE on XX/XX/XXXX : Case ID:XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 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: GA

Complaint narrative:
XXXX and Experian are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is  fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
A credit reporting service named RentDebt recently started reporting that I have an outstanding balance owed to an apartment community for {$5200.00}. There is no way my outstanding balance could remotely be that high. I have contacted RentDebt directly, and asked them to send me a complete account detail, showing all of the charges that constitute the {$5200.00} in charges that they are trying to collect. I am also aware that this apartment community re-leased my apartment, shortly after I left. So I believe what's happening is that they are attempting to charge me full the full amount on the remainder of my lease, despite the fact that the residence was re-leased. Its illegal for them to try to hold me to the full term of the lease if they re-rented the apartment, so I also asked for the date my old apartment was occupied once I left. Of course, I have not gotten that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.

Company response to consumer: Closed with explanation