vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase my bank has a policy of even when I have a negative balance pays charges that may come through because they were set up on auto payment and are way to easy to forget about. With every company putting these monthly subscription plans in place for everything and having a different account and password keeping track is so hard and time consuming. Well my point is that I have requested from Chase so many times that if there is no money in the account or if it is negative or overdrawn then don't approve the charges but they do not give that option no matter how many times I have requested it. It was always bank policies that if no many in account checks are not paid.

This month Chase has approved charges when my account balance is negatives for 6 times ( XXXX $ XXXX {$200.00} for overdraft fees added to the amount of the charge ) and there is nothing I can do because Chase Bank has no reason to stop doing this since it makes them so much money. I have called and sent messages to Chase. This happened to several people I know also.

Chase does this as a way to charge more and more fees and if I could I would close my bank account because it's not fair and should be banned business policy. Clearly my bank account is not working in my favor as a benefit. Chase even says that they can decide which charges to pay and that tells me that they know the balance in the account and they choose to approve the charge so they can charge fees. The check policy never allowed for a check to be approve if a negative balance on accounts. Credit card charges are not approved if over account limit. Those are common sense bank policies and I agree with. The fact that all of these transactions are electronic and processed by computers doesnt require Extra processing of each charge. 
If there is anything you or your office can do to force big banks to stop this business money grab then I beg you to do anything. This is a coordinated policy from banks that routinely have caused financial problems that force people to suffer because everyone has no choices since we need to use the banks. 
If you or your office has any questions on this please feel free to ask me. I know this is hurting people who already don't have enough money. 

Thank you for anything you can do and have done in these difficult times. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
There are several accounts on my credit profile that are fraudulent and I have reached out to the credit bureaus numerous times regarding these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
There are several accounts on my credit profile that are fraudulent and I have reached out to the credit bureaus numerous times regarding these accounts

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 2021-09-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I first noticed an entry on my credit report that was furnished by a company named Midland Credit Management , INC . I then went ahead and contacted their company to further investigate this item on my credit report. I know first and foremost that no item can be put onto my credit report without permissible purpose and upon submitting a dispute with midland credit they have completely and utterly ignored me, the consumer. I sent my letter Via USPS Certified Mail and the tracking number is # XXXX and was left with an individual on XXXXXXXX XXXX. on XX/XX/2021. I still have not received a reply which puts them further than the 30-day period they have to investigate the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
We keep getting family members and relatives that are in different states and not in direct contact with us getting multiple calls asking for us but we have already called the company to ask they remove family members from any upcoming calls. Its escalated where they call our parents who are elderly and recovering from covid. I personally called to make a formal request for them to not contact this family member but they called via another phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I noticed that my credit card account has been marked as closed despite paying it in full and having access to credit. 

The account has been inaccurately marked as " CLOSED ''. I would like to have it marked as " CURRENT '', as it should be because it is an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: AZ

Complaint narrative:
I did not authorize these inquiries witch are as follows, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  all were on the date of XXXX XXXX..This aint me I need these removed I tried to call trans union and they did not give me no help I had answered all ther questions and did all the steps and they still gave me a hard time that is why I am contacting your company to let know this is not fair no right I even explained to them that under the FCRA legally these unverified & unauthorized items Must be removed!! And they still did not help me

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 2021-09-16 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: NC

Complaint narrative:
I noticed these fraudulent inquiries on my Transunion and XXXX credit reports and I've disputed them several times with the companies and Transunion and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CA

Complaint narrative:
These accounts are fraudulent and need to be removed. I have sent them an ftc report as well as police 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 2021-09-16 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: CA

Complaint narrative:
These accounts are fraudulent and need to be removed. I have sent them an ftc report as well as police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Afni debt collectors are trying to collect a debt that I do not owe. Moreover, this false debt was previously placed on my credit report and removed after I contacted the CFPB where XXXX XXXX XXXX acknowledged that this debt was placed in error and I did not owe anything. Over a year later AFNI must have bought this false debt ( that was removed ) and are trying to collect on false information. They have lowered my credit score in all 3 bureaus by 65 points for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my Trans union, XXXX or XXXX credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.

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 2021-09-16 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: FL

Complaint narrative:
On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my XXXX XXXX, XXXX or Equifax credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: DISCOVER BANK
State: CT

Complaint narrative:
Discover closed my consumer credit card XX/XX/2021. I called them on XX/XX/2021 to obtain a reason on why they closed my account. As the consumer I never gave them consent to close my consumer credit account. I mailed off a letter to dispute the validity of the alleged debt and to show proof that I owe the debt. Discover received the letter on the XXXX of XXXX. I have the federal right under the consumer credit protection act to dispute anything about my consumer credit account. Discover is in violation of 15 USC 1691a ( 3 ). Discover discriminated against me because I exercise in good faith my rights. Discover rep stated that their policy overpowers federal law when I called them. I need this to be handle and corrected because I know that I am the consumer and the original creditor of this account. When I entered into this consumer credit transaction, I used my credit card which is my social security card pursuant to 15 USC 1602 ( l ). Which I used to extend myself credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). According to 15 USC 1601a congress requires all financial institutions to inform the consumer on the use of their credit. Which Discover failed to do so which makes them in violation of the Truth in Lending Act as well. 

I will also be doing a complaint with the CFPB, XXXX, Illinois Attorney State General, Connecticut Attorney State General, United States Attorney State General, OCC, SEC, FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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:
On XX/XX/XXXX I informed Experian that I became aware of a debt collections that was being reported on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of XXXX requested verification of the that as of date ( XX/XX/XXXX ), I have received no response. XXXX XXXX XXXX. was also informed. I received no response as of date as well.

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 2021-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I XXXX XXXX at this current moment is submitting a complaint that i currently have Regional Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$16000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Regional Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Regional Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to Regional Acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g. Regional Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Regional Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Regional Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Regional Acceptance has committed many violations of my consumer rights under the FDCPA. Regional Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed by 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 2021-09-16 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: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NC

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date 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 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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have gone back and forth with Experian numerous times concerning an inaccurate account which has lead to me losing money and being denied a mortgage loan in the final hour. Due to Experian 's lack of accurately investigating an account XXXX and updating it correctly or deleting the inaccurate information, I have run into hardships and headaches. I have provided Experian notices from XXXX XXXX. I have also provided the notices from XXXX and XXXX where these two agencies XXXX and XXXX have the correct information, such as XXXX balance, and reported as such so Im baffled as to why Experian is not reporting the accurate information or why they did not follow suit. Experian claims I am a third party every time I send a complaint ; however, I am sick and tired of the frivolous tactics Experian know I am who I say I am as well. Due to actual damages caused, I am forced to pursue legal action against Experian in federal court. I will sue for all actual damages incurred and all attorney fees and costs due to Experian FCRA violations. Experian has violated my rights and caused major actual damages from your false and inaccurate credit report from Experian.

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 2021-09-16 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: NC

Complaint narrative:
Reviewed credit report & found several discrepancies. XXXX XXXX XXXX DBA XXXX XXXX c/o XXXX in North Carolina XXXX Formaly known as XXXX until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX XXXX transferred to another Co XXXX, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Paid off my vehicle in XXXX. Credit Report is showing incorrect information. Says its past due and I still owe from 3 months ago. I have paperwork from ally saying congratulations for paying off your loan. 

I would like this whole trade line deleted from all credit reports, for damaging my credit as well as my wifes.

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