vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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 primary bank for the past 17 years has been Chase. 
I have never had any issues in managing my credit, i.e. I have never had any delayed payments, any checks that have bounced, I have had an impeccable financial credit history. 
On XX/XX/2021, my Company informed me that Chase has refused to accept a direct deposit into my account. I was surprise since there was NO notification from Chase on their intention to close my checking account after 17 years. 
After a long back and forth with Chase, I understand they have the right to close my account without offering any reason. BUT they have to inform me, I asked them for a copy of any communication they claim to have sent to me- they couldn't reproduce it. 

I have moved on from this, but I read remarks XXXX XXXX made regarding lack of transparency at large financial institutions on how they use algorithm to make decisions. There are inherent biases built into these algorithms no matter what the companies might claim. I am not expecting any action or result, but I hope you institution will look at financial institutions like Chase and how they are treating their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AK

Complaint narrative:
I filed a dispute regarding incorrect items on my credit report, it has been well over 30days. and I have yet to receive any investigation results!

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 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Today XX/XX/XXXX I received a letter from Southeast Toyota Finance where I have an account I nver been late, even so this last XXXX I did three aditional payments into my account after several intents, emails to contact them I thought that everythig was clearly explained, but today I received a letter from Southeast Toyota Finance trying to collect debt of {$250.00} bill that I alreay paid in fact they charged me {$40.00} latest fees that they told me that will be refunded but they are not plus, they are treating me to collect this debt or they will report it into my credit report. 

As I said before on my complaints, Southeast Toyota Finance is just lying not only about me if not about thousand of people, in the same situation that me. 
They are trying to add as must lates fees as they can, and misslending people accounts in their own benefits. 

Problably the best thing we can do is to sue Southeast Toyota Finance in court for all damages they in doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LJ Ross Associates
State: OH

Complaint narrative:
Hello, I disputed a collections account that was reported by LJ ROSS to my credit report. The disputed was via XXXX on XX/XX/XXXX. My dispute resulted in the account being removed from my credit file. This same account was reported to XXXX on XX/XX/XXXX. I have had issues with this agencies before. I have a paper trail for the disputes and reporting dates. I never paid them any money. But, the account says paid now? Why would a debt collection agency, attempt to collect a debt and when no payment was issued, change it to paid?

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 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
The company " Square '' that I have used to charge my client 's credit cards for my services, claimed that I had a second account with a large dispute on it totaling {$2100.00} and that I was responsible for this amount of money. They therefore withheld {$360.00} worth of my most recent charges and had planned to take any future funds that I would collect from clients until the dispute balance reached XXXX. They initially refused to give me any information about why they thought this second account was mine. After more than a dozen calls, emails, the filing of a police report and the filing of an FTC report, they told me they still believed this other account was mine and they provided the email address for the other account. The email address was not mine. The other entity 's email address contained my first name and the field in which I work ( psychology ). I filed a second FTC report and they decided that it was a case of " stolen identity ''. They have since refunded my {$360.00} and " disassociated '' the other account with mine. However, they still refuse to provide me any information about why they thought this account was mine ( other than the remotely similar address information ) and they still maintain my information was " stolen ''. Given Square transactions involve my bank account, I need to know what if any, of my sensitive information has been stolen. If it has not been stolen, and they simply went the route of putting me through the many, many hours of work because it was easier for them to collect the money they themselves had lost via the dispute on this other account and blame it on someone ( me ) with a slightly similar email address, I would like to know that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My cards were stolen in XX/XX/XXXX. I did not know cards were taken until I received statements. I call e XXXX and Bank of America and they refuse to believe it was fraud. I never made those charges to talking over XXXX. 
I filed a police report in late XXXX. 
My cards were used by someone else

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 2021-10-29 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2019, I was informed by US postal service letter from Portfolio Recovery Associates ( PRA ) that they purchased a " debt '' of {$19000.00} from XXXX  XXXX credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, PRA filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with XXXX XXXX nor any loans. After several calls to PRA to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with XXXX XXXX and asked for written confirmation the charges and legal ownership of the account. PRA has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AK

Complaint narrative:
i submitted a complaint about incorrect information being reported on my credit report. its been well over 30days and i have not received any information about the results or status of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I've been a victim of predatory lending from XXXX. I turned vehicle over to lender in 2017. I have paid owed amount {$1800.00}, several times over. Predatory practices with extremely high interest continues to pile up to over {$8000.00}. I am now low vision and on permanent XXXX, yet company harasses and refuses anything but large amount of money. I live on fixed low income. I have disputed twice but it simply updates debt and adds more owed. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AK

Complaint narrative:
I submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.

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 2021-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received a denial letter that describes information that is invalid, fabricated, or an egregious error on the part of the Card Company. 

There is nothing on my credit profile that is even close to the examples Luxury Card detailed within the denial letter. Copies will be attached

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 2021-10-29 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: AK

Complaint narrative:
I submitted a complaint about incorrect information on my credit report, it has been well over 30 days and I have yet to receive any information regarding an investigation or the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019, I was informed by US postal service letter from XXXX XXXX XXXX ( XXXX ) that they purchased a " debt '' of {$19000.00} from Capital One credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, XXXX filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with Capital One nor any loans. After several calls to XXXX to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with Capital One and asked for written confirmation the charges and legal ownership of the account. XXXX has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
Hi This collection agency call financial recovery service INC they are sending me the letter because they said this account is charge off basically what happened they close this account and I dont even know I tried to call them last year they did not respond to me but they close my account already last year beginning of last year and I try to call them and tell them I had a hardship due to the pandemic and XXXX-19Because I was sick and my family and they are suffering so bad with XXXX we all are sick but they did not help me and he did not respond me and now they sending me this letter saying that my account is charge off and I have to pay this and also the reporting negative against me I would love to please help me on that hope you and the report and also ask for us for the payment and discharge of card That they never help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: IL

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with Credit Systems International , Inc plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credible Labs Inc.
State: DC

Complaint narrative:
I applied for a loan with this company which I was denied for. The issue that I have is that pursuant to federal law, they do not have the right to deny me my own credit. I am the original creditor and I am the one who will fund this consumer credit transaction with my social security card. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I will be using to originate this consumer credit transaction in exchange for money which the law states I have the right to do. This company is falsely advertising a " loan '' which does not exist. The term " loan '' is not defined anywhere in Title 15 Chapter 41, therefore it does not apply to consumers. The only type of transaction that exists involving a consumer are consumer credit transactions. Pursuant to 15 USC 1679a ( 2 ), the term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. So, this company is falsely advertising that they provide " loans '' when in actuality they are denying me my own credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NJ

Complaint narrative:
This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX XXXX  falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.

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