vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas XXXX. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas XXXX. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : 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 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank closed my credit card without any emails or calls about any issues on XX/XX/22. They claimed the account was fraudulently opened when it was not. Customer support continues to redirect me in circles to other departments, keep me on hold for hours at a time, or promise that somebody will call me back and they never do.

None of them will tell me why the account was closed, how i can resolve the issue, especially concerning because there seems to be ANOTHER account in my name which may have been fraudulently opened, except they wont give me any details on it.

Online account is locked so i cant see what charges have been made. 

As of XXXX i have not been able to get any information from customer service. I call them almost every business day to try to resolve this, wasting hours of my time and never getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received regular mail an offer : " Add an additional cardholder and spend XXXX dollars within 6 months and get XXXX back ''. 
Before I apply I call because the offer didn't have any code or special invitation numbers, the answer I received was that because it was a targeted offer all I had to do was to comply with the requirements and they will honor the offer. 
In XXXX using their chat services I wanted to ask if I already complied with the offer requirements and their answer was that they don't see any offers, since then I have talked to about 16 different agents via chat and over the phone. They asked me to upload the offer and I did.

Today after 45 minutes on the phone a supervisor told me that my claim is only been opened for 4 days. She told me that at this point all she could do is to provide me a USXXXX credit, I declined because all I want is to get what they offered and I earned. 

They didn't offer me a follow or anything similar. I did pay USXXXX for the additional card and and the USXXXX points only represent about a USXXXX dollars profit for me if I use for travel. I am not dong this for any extra money is because of basic principles

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal send me a letter that I submit to them about my atm for provisional credit on my account of the ATM did not disports to me and then they said the merchant at the ATM stated that it was an error they said I got the money and it was not true and I want all my money because the merchant is lying and I submit my medical from my doctor that I explain that I stressed navy federal was giving me problem the doctor stated that if I continue this stress I could have a XXXX or a XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
I was recently informed earlier this month by a credit monitoring service that Global Asset Agency reported a collection account on my credit report ( copy is attached ). I have never heard of this organization nor have I ever received any correspondence from this organization in any manner whatsoever. 

By law, no organization can just arbitrarily report a collection account on anyones credit report unless they have legal standing to do so and have substantiated their legal standing in writing with appropriate documentation as to what their legal standing is. That is certainly not the case with this organization whom I have never received any correspondence from. 

I just sent a letter to this company ( attached ) to remove this collection item immediately from my credit report or I will pursue all legal remedies available to me allowed by law. This could have a significant impact on some financing I am currently pursuing and their illegal actions may cause me considerable financial harm. 

I have asked that they provide all appropriate documentation substantiating their legal standing in any account that I may have a financial obligation. By law, they must provide this documentation before they can proceed with any collection efforts and certainly before they can legally report a collection account. 

Until such time that said the appropriate documentation can be provided ( and I also have the legal right to review and dispute the documentation ), their reporting of my account as a collection account is a violation of the law. 

In the event this collection item is not immediately deleted by this company from my credit report, I will also report their illegal actions to the Attorney General of their state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
I am the victim of Identity Theft. I sent my FTC identity Theft Report to Experian on XX/XX/2022. They did not remove XXXX XXXX. They said it was verified as accurate. They removed XXXX and a few days later put it back on my credit file. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed two accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of these in writing 5 days prior, I was not notified. As the original creditor, only I can validate these debts. I do not validate these debts. Therefore, the following accounts must be deleted from my report immediately XXXX and XXXX. I gave accounts and amounts. The reporting of these accounts are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove these accounts. They said they were verified as accurate and updated.

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 2022-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Due to unfortunate circumstances, ( my grandparents passing away from XXXX and being my sole providers. ) I was desperate and needed help with bills. I do not have a lot of credit to my name and was trying to a loan to help pay for my car insurance. A website took me to BrightLending.com where I was prompted that I was approved for a loan of {$500.00} on XX/XX/2020. I of course unknowingly accepted the loan unaware that the APR rate was 692.2058 % and will be paying 42 payments of {$72.00}. I was charged {$72.00} every Friday out of my check but I realized that every time I paid the {$72.00}, the loan was still in the {$500.00}. I then checked the loan agreement to see the that my rate was so high and at the end of this loan I would have spent {$2900.00} to finish this loan. This loan has caused to me struggle to pay my bills. I have called their customer service and no response. Also previously stated that my rate was 692.2058 %, I read further into my agreement that the fixed rate per year on the loan is 734.0224 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke to XXXX XXXX XXXX XXXX XXXX Wells Fargo she said they had not mailed the revised copy for the extended date of the trial modification. She stated she hadn't gotten and approval it will be mailed from her Manager. She asked could she give me the terms over the phone ; this is their normal procedure. I stated I need the term of the modification in writing from Wells Fargo because I did not trust their servicing practices and I would lose my home. She stated it would be mailed to me. 
I have not received those documents and I don't want to lose my home. Wells Fargo said they mailed the mortgage assistance trial to me by regular mail but I have not received those documents from 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2022 I spoke with customer service about my account and to notify them that my Federal tax return would be deposited, the account was closed anyway. On XX/XX/2022 CitiBank force my Federal Tax Return into that closed account and refused me access to my account. I have called everyday trying to get them to give me access to my funds. I have also spoke with supervisors and I have left my number for call backs. All I keep getting is if I wanted immediate access I can go to a branch ( I live in Texas, there is no branch ) or wait 30 to 60 days for a check to be mailed once my account is closed. If my account was closed on the XXXX of XXXX why was my taxes forced into that closed account? My utilities have been disconnected, my phone is disconnected and my rent is due. Wait for a check will have my family and I 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 2022-03-04 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: MO

Complaint narrative:
Page9 of 9 from my TransUnion credit report file no : XXXX, issued XX/XX/2022. A paragraph titled Clubs & Subscriptions Activity. Is created ( this is second time in two years ) has subscribed me magazines in an attempt to get time on their side and force me into this Debt which I discussed with a receptionist at XXXX. Info is in the slanderous paragraph followed by more lies. TransUnion sends me emails at my request but when I was looking for a vehicle to purchase An email said We can provide a lender for you with top ranking lenders I applied and got calls and text for the fast cash lenders. Small amounts but TransUnion s help included all apps I didn't fill out. All of them hit my credit with hard and soft inquiries Some five or more times a day each. Now my score has fell lower than last year at this time. In XXXX or XXXX Before applying for auto loans and shopping I had gotten my score to XXXX. Now I can't get loan for bicycle/motorized. I've sent a picture of my report items discribed poorly here. You have to see it. Look for my email with picture of pg1 of 9 TransUnion and pg9 of 9

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 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited 2 checks today from businesses I regularly do business with and checks are never given a hold on them and they never bounce. For some unknown reason BOA decides to hold them for 11 yes ELEVEN days. One check is local and one is from Illinois. Both checks are from finance companies. There is absolutely no reason to put a hold on these checks. One check was fore XXXX and the other was for XXXX. I called BOA and sat on hold for so long I had to gang up. I then emailed the following people at XXXX am CT : XXXX XXXX XXXX, XXXX, XXXX no one has responded. My email '' Good Day, I deposited checks from my clients today and for some reason BOA is putting a hold on them. These are the same clients I have deposited checks from for the past 2 years. I have checks coming through that I wrote to the IRS for tax payment. They will bounce if this hold is on. 

Please review and lift the hold. I tried calling but sat on hold and figure they won't do as I ask anyway, have no time for that. 

Thank you, 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 2022-03-04 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: GA

Complaint narrative:
I am the victim of Identity Theft. I sent my FTC identity Theft Report to Equifax on XX/XX/2022. They did not remove XXXX XXXX XXXX. They said it was verified as accurate. I sent a second letter to them on XX/XX/2022 stating : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately XXXX XXXX XXXX. I gave account number and amount. The reporting of this account is a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

They again did not remove this account. They said it was verified as accurate and updated.

Company response to consumer: Closed with explanation