vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally complain about the egregious and retaliatory actions taken by Chase Bank against my account, which have not only caused me undue stress but also financial harm. 
Over the past two years, I have diligently paid off all balances on my account before the due dates, ensuring that I incurred no interest charges. It appears that my responsible financial behavior has led Chase Bank to conclude that they can not profit from my account, which is an absurd reason to target a customer. 
Furthermore, after a dispute where I rightfully contested unauthorized charges, Chase Bank has chosen to mismanage the dispute funds. Instead of resolving the matter in a fair and just manner, they have retaliated by closing my account without proper justification. 
To add insult to injury, Chase Bank is now forcefully demanding that I repay {$700.00}, which is a refund I had already received from a merchant. This demand is not only unreasonable but also constitutes a clear case of double charging. 
I have always valued the principles of fairness and transparency in my banking transactions. However, the actions of Chase Bank have betrayed these values and have left me with no choice but to seek intervention from your esteemed agencies. 
I request that the Consumer Financial Protection Bureau and the XXXX XXXX XXXX investigate this matter thoroughly. I am prepared to provide all necessary documentation and correspondence related to this issue. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I began my loan repayments in XX/XX/XXXX since interest was starting to accrue and I had the funds available. In XX/XX/XXXX one of the loans was fully paid off and I received the paid-in-full notice ( dated XXXX ). In XXXX, a portion of that same loan has popped back up showing I owe {$6900.00} in principal on the loan that was already paid. I have made multiple calls to mohela and end the calls with " we need to review this issue. '' I spent multiple hours going over my payments and bank statements and realized my first payment in XXXX ( paid on XX/XX/XXXX with an effective date of XX/XX/XXXX ) was processed through my bank and email verified by Mohela at {$10000.00}, but Mohela only credited me {$4100.00}. On the most recent call with Mohela they said they could see a payment reversal on XX/XX/XXXX of this year, but yet I never received any refund. In addition, I never requested any payment refund or reversal. I have no idea where the extra money from my payment is and they are still showing the loan as due and accruing interest. Following the last call, Mohela sent me a " financial activity summary '' that shows the past payments, but this still shows that {$6900.00} is showed and no reversal occured. Mohela has thousands of dollars of my money from a loan that was already fully repaid, but they can't find where it is and still show my loan as needing to be repaid with payments starting in XX/XX/XXXX with accrued interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information is being sold on the dark web so I have to lock/freeze all my credit reports and pay more money and continuously monitor fraudulent alerts while trying to maintain a household and take care of my family! Please remove these accounts! 

Upon further review these hard inquiries are once again illegal. Its the same reason why I've been disputing these ( 3 ) accounts within the last 90-120 days which I have no reason why they still have not been removed off ( XXXX, equifax, XXXX ) So now I have no choice but to keep all credit bureaus locked as will be attached in screenshot. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized credit Inquiries are reporting to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for the FINAL time about this right here. 

TRANSUNION is violating the law and me as a consumer! 
A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a! 
TRANSUNION is reporting my personal private information and I want it deleted from my report immediately. 

These are charge offs and should not be on my credit report period. 

What I am asking for is LAWFUL. I dont even know why I need to go quoting the law when you know it and should be holding these institutions account when they are violating consumers. Especially for the consumers that have already been consistently reaching out!

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I never opened accountwith FNBO when I found out closed the account and they passed it on to a lawyer who is now trying to collect {$9000.00} on a charged off account

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 2024-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CT

Complaint narrative:
this account do not belong to me. try to file with credit companies, but they dont have proper verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! EQUIFAX is violating the law and me as a consumer! 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to you as well. 
A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a. 
EQUIFAX is reporting my personal private information and I want it deleted from my report immediately. 

These are charge offs and should not be on my credit report period. 

What I am asking for is LAWFUL. I dont even know why I need to go quoting the law when you know it and should be holding these institutions account when they are violating consumers. Especially for the consumers that have already been consistently reaching out!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My family received two American Express prepaid gift cards as holiday gits from an employer, one for {$200.00} and one for {$100.00}. They appear to be impossible to use online. I have tried them at XXXX and XXXX, to pay utility bills, and for various other purchases. I can't add them to my XXXX or XXXX wallets. Online research -- which has taken hours -- shows that there is perhaps one online store that accepts them, and that the alternative is to try in-person purchases of other vendors ' gift cards. 

The Amex gift card website says they are " widely accepted '' with an " add to mobile wallet '' graphic but has no instructions on how to do either, or names of companies that accept the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
I sent my letter off on XXXX XXXX I told the credit bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. Here is the tracking number XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : COVINGTON CREDT HFH Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am writing for the FINAL time about this right here because the law does not even require me to be trying to arbitrate with ANY of these credit bureaus! 

EXPERIAN is violating the law and me as a consumer! 
EXPERIAN is ILLEGALLY reporting my personal and private information! I want it deleted from my report immediately. 

Literally why are these companies still able to incorrectly report after millions of dollars in lawsuits and after years of me complaining to the CFPB as well????? 

I SHOULD BE TAKING THIS XXXX STRAIGHT TO FEDERAL COURT!! 

A reporting agency may NOT report transaction history including amounts and dates. 

And, according to the IRS publications charge offs are reported as INCOME and MY INCOME SHOULD NOT BE REPORTED ON MY CREDIT REPORT. 15 U.S. Code 1681a.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Re : AVANT Credit Card. I made a small deposit on XX/XX/ of {$11.00} by debit card. My balance was {$6.00} at the time. I called on Sunday XX/XX/2024 at approximately XXXX EST to inquire because the funds had not posted. The CSR told me that my deposit had been used to cover {$13.00} in interest. I asked why would interest be taken from my deposit when my monthly payment was not due yet. She couldnt answer the question. I was very upset and closed my account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There is an inquiry listed from XXXX XXXX from 20XXXX that I do not recognise listed on all three of my credit reports from XXXX equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There is an inquiry listed from XXXX XXXX from XXXX that I do not recognise listed on all three of my credit reports from experian XXXX and 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name : NCB MANAGEMENT SERVICES Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
The interest rate I signed up for was totally different than the interest rate I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All reporting credit cards within my credit/consumer report are reporting as late/delinquent. 

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All reporting credit cards within my credit/consumer report are reporting as late/delinquent.

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All reporting credit cards within my credit/consumer report are reporting as late/delinquent.

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.

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