vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX of 2022 I purchased a XXXX XXXX from XXXX XXXX of XXXX in XXXX, VA. I took out a loan through them and XXXX takes out loans through Chase bank. I realized a week or XXXX later that I wanted to switch the loan over to my bank XXXX. I called XXXX and filled out the information necessary for the loan to be switched over to XXXX. XXXX sent the check to XXXX and it was cashed out. XXXX told me the car was paid for and they now had the loan and I began making payments. I am in the XXXX XXXX and was gone for training for a couple months afterwards. I came back home to letters in the mail from Chase bank saying I have late payments on my loan. I thought I had paid off the loan with Chase but I found out that XXXX just cashed out the check and never paid off my car with Chase. XXXX ended up sending a check back to XXXX to pay off my loan with them. I still have my loan with Chase and the late payments ended up hurting my credit. I submitted a couple complaints to XXXX and they were denied and said Chase needs to send documentation for my credit to be fixed. I contacted Chase and they have refused to fix my credit. I have attached the check that was sent to XXXX and cashed as well as the documentation showing my loan with XXXX was paid off. I can also send a copy of my orders proving I was gone for training if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: PA

Complaint narrative:
Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX  XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was supposed to receive a {$25.00} bonus credited to my account on XX/XX/22. The bonus never posted. I called and they said it would post on XX/XX/22. It has still not been posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: VA

Complaint narrative:
Today XX/XX/22, we have gotten another phone call as has my grandparents about a debt that I do not owe. They claim I owe money from cash app/ bad check. 
I dont have cash app at all, havent written a check in many years. They REFUSE to listen to, talk so fast and swear I owe it. VERY rude to me and grandparents. Have even said warrant will be issued for bill. 
I have checked all my credit reports and there is nothing suspicious on it. Its perfectly fine. 
Im so sick of getting these calls and my grandparents as well. 
I have even called cash app. They verified I dont have an account, plus said if I did owe money theyd call me personally. 
Also my bank has NO record of this- bounced check, anything about cash app. Believe me IF I had written check that bounced my bank would have notified me immediately, also would have taken the money out of savings to cover it. 
Thank you for taking care of situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CA

Complaint narrative:
I tried previously to contact XXXXXXXX XXXX XXXX customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my experian credit report that there is not one error saying late payments or over credit limit with XXXX  but multiple reports from XXXX  going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

NOTICE : Experian, XXXX, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these three reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " XXXX XXXX HOLDINGS, EXPERIAN INFORMATION SOLUTIONS INC., AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I have not been able to get assistance from my mortgage company so I tried to hire an attorney to help me. My husband and I lived in this home together. When the pandemic hit my husband got sick and passed from XXXX in XXXX of XXXX. This reduced my income but also was very distressing. My lender put me on a forbearance plan and then took me off and raised my payment {$400.00}. I sent my attorney a third party authorization on XX/XX/XXXX. My attorney 's office called XX/XX/XXXX and was told to send in additional documents. We did and then my attorney 's office called again XX/XX/XXXX, again they were told that more information is needed. My lender refuses to tell the attorney what is needed, they will not send me an email explaining what they need. My attorney 's office has questions regarding the CARES act and my VA loan, mainly why did my payment go up after forbearance? My husband who is on the loan ( I am married to him and on the deed ) is now passed on, he can not sign or authorize anyone. I do not know why my lender is putting me in a horrible position. I lost my husband and now am afraid I will lose my home because my income was reduced but the payment were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: FL

Complaint narrative:
I've been dealing with Direct Express/ Comerica Bank for my government benefits. I never had any issues until they decided to send me a new card for whatever reason and now I cant access a live person to set up my pin or access my money to pay bills. The amount is showing that's its there on the card but I can't set it up with a pin I cant get access to it. I need help to pay my bills. No one answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: NE

Complaint narrative:
My debit card was compromised at a XXXX  terminal at a gas station sometime in late XXXX of this year. Over the course of 2 months the fraudster drained my account completely. A total of {$4300.00} was stolen from me due to a compromised debit card. Upon discovering this fraud on XXXX  I immediately drove to my bank and filed an Affidavit of fraudulent activity on my debit card. There were a total of 73 fraudulent transactions going back to XXXX  Bank of the West would not let me claim any further than 60 days of fraudulent charges. 

On XXXX, after filing the affidavit, the bank destroyed my debit card but did not put a freeze on my checking account. This allowed the fraudster to get away with another {$200.00} between XXXX and XX/XX/XXXX, after I had already alerted my bank to the fraud. 

On XX/XX/XXXX, the following monday I contacted my county Sheriff 's office and filed a police report. I provided the Sheriff with a copy of my affidavit. 

on XX/XX/XXXX I filed a second affidavit for the additional {$200.00} in fraudulent charges. 

On XX/XX/XXXX, after XXXX XXXX  I contacted Bank of The West 's corporate security team to provide them with a case number and contact information for the police report. I was told by the head of their Fraud dept., XXXX XXXX, that due to her training schedule, she would not be able to work on my case until the following week and would provide me with an update. 

The following week of XX/XX/XXXX I contacted XXXX. She was not available. I asked her to return my call. Nobody ever called me back. 

I called again the following week XX/XX/XXXX and was able to talk to another manager besides XXXX who informed me that my case had been handed to a different department called Corporate Security, who would work with XXXX 's department to handle my fraud case. 

I received no contact or updated information until I called on XXXX. I was told by a representative that XXXX was unavailable. I asked that XXXX respond to me in writing about the status of my case. XXXX emailed me later that evening to inform me that the case was still being reviewed. 

Throughout XXXX, I called the customer support line to get an update and was met with the same answer, " Your case is being reviewed by a separate department, there's nothing we can do but wait '' On XX/XX/XXXX I called again to obtain a copy of the signed affidavit. Nobody has responded. 

At this point I have been robbed of {$4300.00} and my bank has done nothing to help me for 2 entire months despite filing an affidavit with them AND filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NV

Complaint narrative:
I sent the letter to XXXX, TransUnion, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX transunion and XXXX have 30 days to respond to my dispute. This is the violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: NV

Complaint narrative:
I sent the letter to XXXX, XXXX, and Equifax on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX XXXX and Equifax have 30 days to respond to my dispute. This is the violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXXXXXX XXXX XXXX C Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Opened a Small Business checking account with Bank of America in XX/XX/2022, after receiving personalized promotional email from Bank of America promising a {$100.00} to {$200.00} account opening bonus subject to balance maintenance conditions over a 90 day period. 
Prior to opening the account, I called a Bank of America Small Business Representative to discuss details of the offer. The Bank of America representative confirmed the terms of the offer and gave me instructions on how to open the account. 
I followed the instructions and opened the account. At the end of the maintenance period, after meeting the maintenance requirements for the {$100.00} bonus, I did not receive any bonus. I waited XXXX more month, and I still did not receive any bonus. 
When I called Bank of America to ask why I did not receive a bonus, I was put on hold again and again for almost XXXX hour. Finally, I was told the bonus offer had not been originally applied to my account, so I would have never received the promised bonus if I had not called to complain. Yet, Bank of America refused to apply the promised bonus ( now 1 month overdue ) in a timely manner. They said it will be applied within 60 days. This is unfair and unreasonable, because Bank of America charges monthly fees to keep the account open, so are they effectively avoiding to pay the full promised amount by deliberately delaying the bonus disbursement.

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 monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
When Im not able to make payments, even after I inform the company about it, I get harassing phone calls from many different numbers. They also come by my house. They call my job multiple times a day and they threaten to garnish my checks. When I tell them about my situation it is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TN

Complaint narrative:
Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from XXXX, Equifax, and XXXX. I have not heard anything back from these 3 bureau 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as 1 hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had 9 hard inquiries.

From my calculation it suppose to be only 4 inquiries not 9. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America has not been processing my credit card payments. 

It has been giving me no indication of why this is and hasn't helped when i have called them about it. 

I had contacted XXXX about this issue and they say it is not on their end. Bank of America just declines and doesn't even inform me. 

This has caused me to incur rampant interest charges and ruined my credit with one of my credit cards that I had assumed was paid off by Bank of America.

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