vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
CHASE BANK COLLECTING AND HOLDING MONEY ILLEGALLY AFTER LOCKING ACCOUNT My chase account over 15 years was hacked. When I noticed the bank had moved {$3000.00} from my checking to savings I immediately moved it back and changed my user name and password. The following day the bank said it prevented a {$1000.00} dollar withdrawal and another for {$200.00} +. 
The Bank then locked my account and told me to contact the fraud department, which I did. After an hour of verifying who I was the fraud manager told me to contact another number to set up a new account the next day. I followed his advice and was told they would not open another checking and savings account for me, and that I had to come in to a local branch. I retired overseas 8 years ago and have thus far transacted all my money transfers online. The cost of flying back to the US is prohibitive since I live on {$700.00} social security and {$300.00} XXXX veterans pension. 
My XXXX year old mother was a signer on the account and held a complete Power of Attorney, which chase refused to accept in order to open a new account in my name. So chase opened an account in her name with my social security checks and VA XXXX checks going into her account WITHOUT MY PERMISSION. And even now chase refuses to allow me access to my own money going into another persons account. That should be illegal, if it isn't already. This situation really needs to be remedied ASAP. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Opened a credit card with XXXX XXXX XXXXXXXX XXXX  XXXX with a 0 % interest fee until XXXX of 2018. The account was sold to XXXX Bank and I completely paid it off in XXXX of 2018, months prior to the end of the promotional period. Somehow XXXX Bank managed to add fraud small fees each month following XXXX and continuously add late payments and falsely report negatively to the Credit Buruea. 
I called and spoke to a representative and asked to pay the amount in full including any accumulated interest until the end of the billing cycle. I was told in XXXX and XXXX by a XXXX customer representative that the individual who processed my payment in XXXX failed to add the interest for the remaining 6 billing days of the cycle. 
An amount of {$3.00} resulted in falsely placing me outside of the promotional period and the addition of late fees and false negative reportings to credit agencies. 
I spoke to multiple supervisors from XXXX bank each month and they apologize and waive all previous fees. The fact that they continuously waive fees supports my argument that my account was requested to be paid in full in XXXX. However, I suffer from the negative reportings and I want those unfair reportings off. 
This rated F XXXX bank is ruining consumers reports with fully paid off accounts and violating the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On XX/XX/2019 I completed a preapproval application with XXXX XXXX for a new vehicle loan. This was a preapproval, soft credit pull. I verified this with a real person at location. On XX/XX/2019 I applied for the loan and was approved and purchased the new vehicle. On XX/XX/2019 I was called by XXXX XXXX and asked to unlock my credit report again. I did not understand why I needed to unlock for the second time but It was explained to me by the sales manager, the salesperson as well as the FINANCE MANAGER that only 1 inquiry would result overall. Much to my surprise on XX/XX/2019 I received another hard inquiry from Honda Finance and also my contract had to be rewritten and resigned. I only ever authorized 1 inquiry. I contacted XXXX XXXX regarding this and am still waiting on the promised phone call that's never going to happen. Honda Finance representative told me when I called in to get a copy of the contract in regards to the second inquiry, " her supervisor said thats just the way it is '' and this can be verified because the calls are alledegly recorded for quality assurance. 

I tried disputing the inquiry for Honda Finance with XXXX  but was told by rep that Honda Finance would have to submit electronically a form to remove the inquiry. This is shady business practices and I will share my story to impact Hondas sales. 

Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: MO

Complaint narrative:
These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, XXXX and Transunion block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 ) XXXX XXXX , ( # 6 ) XXXX XXXX XXXX   {$920.00}

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 2019-03-19 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX XXXX - I co-signed for a vehicle - I was notified that the vehicle was involved in an accident and totaled - Insurance would pay the loan this was in XXXX - then I received a letter from Ally that payment was not made - I called the insurance company they did process the payment, I called Ally back the girl I spoke with, XXXX, said it takes 3-4 weeks and to make sure I called back to check or Ally would notify me. I waited and the payment was received - I got another letter late XXXX regarding a balance due - I called Ally and the Primary Acct. holder made payment arrangements for the balance of {$1500.00} - I said ok. I got another letter from Ally stating that the balance was still outstanding this was in XXXX. I was told that contact was made and I would receive a letter once the loan was paid in full - In XXXX I got another letter and I called and I said look I'm paying this balance and I'll go after the Primary for any money I was out and I paid it in full XX/XX/XXXX in Amt. of {$1600.00}. I did it through XXXX XXXX XXXX ( PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX CARD XXXX - I was then astounded that it landed on my report - I disputed both on my report and Ally - Ltr received XX/XX/XXXX from Ally they will not remove it from my credit report. I called and said why, I paid even when Ally was still waiting and dealing with the primary account holder person. I paid the balance in full - I have worked to start healing my credit and I should have been told on the first call what they were going to report. I paid it in total. Ally Acct # XXXX Ally XXXX XXXX XXXX XXXX MN XXXX - ( T ) XXXX - It is still showing on my report in the amount of {$1500.00} and Ally said no it was accurate credit information furnished to credit reporting agencies - The Credit Agencies said Ally has to request it to be removed. Please any help is so greatly appreciated.

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 2019-03-19 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: MO

Complaint narrative:
These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the  investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, Equifax and XXXX block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 )  XXXX XXXX , ( # 6 ) XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX dealership in XXXX XXXX, LA. I agreed to a 2 yr lease and was told after that I could return the car for another one of my choice. When the time came along. They had no information on the loan. I lost my job soon after and the car was possessed. I was never notified that i had a court date, however my check began to be garnished then i recieved the notice. Whenever I called the company they said I owed XXXX would like to sue them for fraudulent contract, economically targeting poor people and minorities. Also I would very much appreciate it every case be investigated individuality and ALL unfair wages be compensated. As well as criminal charges be bought on the ones responsible. Lastly I request that the company be shut down or sold.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
CONVERGENT OUTSOURCING Account Name XXXX Account Number This is a collection agency they say for XXXX it says I opened a account with them in XX/XX/2017 or maybe they received the account then but Ive been with XXXX XXXX XXXX for the last 10years I have disputed this and contacted them only to get the run around

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 2019-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
The attorney XXXX XXXX XXXX on behalf of Check City Partnerships LLC doing business as Check City in Nevada did not provide me with the requested documents of debt validation or debt verification they told be I took out a loan and did not provide any signatures when requested on the loan documents. they only showed me someones bank account which was a breach because the account was not my bank account so they willfully gave me someone else financial information which I discard. I have not received any information and find out I have been sued by the company and the scrupulous company and attorney. I have also filed a compliant with the http : //ag.state.nv.us/ of the business practices and will file the issue with the XXXX and the FTC as well XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so 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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so 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 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Sent disputes via mail on XX/XX/2019 to Experian to dispute in accurate reporting of late payments from XXXX XXXX XXXX  XXXX. 

Experian failed to investigate in 30 days.

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 2019-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

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 2019-03-19 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: TX

Complaint narrative:
Each time I call Tran Union and bring their attention to incorrect items or items that has not be varied, they open up investegation to items the is okay on my report Later the become negative items My credit score dropped 40 points after I talk with them about one item that was not my item and the company refused to vary information and stated it was not my information. 
Student loan was okay but up dated to being late-WHY this is not was not reported before they investograte but told me over the phone the item was update and ok- tape recorded the conversation

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 2019-03-19 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: AZ

Complaint narrative:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

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 2019-03-19 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: AZ

Complaint narrative:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

Company response to consumer: Closed with explanation