vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a dispute letter to Experian dated XX/XX/22 and as of XX/XX/22 they have not responded.

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 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-07-05 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: TX

Complaint narrative:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EXPERIAN is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EXPERIAN is a third party corporation and I did not give EXPERIAN permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). This is Identity Theft.

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 2022-07-05 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: GA

Complaint narrative:
The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 Equifax says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GENTRY FINANCE CORPORATION
State: NV

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

GENTRY FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB I requested the consumer finance protection Bureau assist me in closing on a mortgage CFPB case XXXX. My complaint was closed after Chase Bank responded with a false explanation of facts and the RESPONSE TYPE was closed with an explanation. 

CHASE bank sent me information on my home loan with two separate loan numbers. I requested payment history for the life of the loan and this is a legal requirement for home lenders to provide. Whether or not Chase Bank was involved with Loan origination, they are responsible for keeping records for the loans they acquired. They also failed to provide a full payment history on how additional payments were applied. 

I was instructed by XXXX XXXX the CEO at the mortgage department to fax all correspondence to XXXX XXXX. I have gone into the branch to fax these documents to this person. Chases responses was that my request for information was not a qualified written request and are improper. This was never communicated by Chase bank in their response to my request. They also claim that a qualified written request or notice of error should be sent to Chase Bank at XXXX XXXX XXXX XXXX Ohio XXXX. Because documents were faxed to the CEO, it is her responsibility is to get these documents to the proper department. Obviously this was not done. 

There are two loan numbers pertaining to my loan and multiple errors made in the application of payments that were not corrected despite me faxing notice of error to CHASE bank. Example, my loan maturation date is XX/XX/2022, my payments are XXXX a month instead of getting credit for additional payments to this loan, the payments were added to my principal and now my loan balance is XXXX vs XXXX.Origination date stayed the same CHASE bank CEO then sent an apology letter stating the bank had made an error in calculating my principal balance but no accounting was provided. I am currently working with an accountant who can verify the validity of my claims. Ex. I sent CHASE bank a copy of my first year of double payments to this loan showing that my principal balance had decreased to around XXXX in XXXX this was not reflected on CHASE documents and they failed to provide me within explanation on how they calculated the principal balance when they did start servicing my loan. I am requesting assistance finding clarification and truth in lending with my loan mortgage payments for the life of my loan, I understand my loan was not originated with CHASE but they should legally have records of entire loan history. 

I would really appreciate CFPB assistance in working with me to resolve these unfair and what appears to be illegal banking processes by CHASE bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX Amount XXXX Account number XXXX Has violating 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

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 2022-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Date opened XX/XX/2017 Account name XXXX XXXX XXXX Amount XXXX Account number XXXX Has violating 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NATIONWIDE ACCEPTANCE LLC
State: FL

Complaint narrative:
On XX/XX/2020 when the COVID-19 pandemic started I was left without a job. I was XXXX by the time. After three months without working and XXXX, I had to move to my moms house, I was XXXX. I couldnt pay rent, bills and car payment. I stopped making the car payments like around XXXX. I didnt have any money and I couldnt work because I was XXXX and it was very risky for me to work by the time. I started to get phone calls from an agent debt collector. I explained my situation and everything I was going thru. They obviously didnt care and were charging me a ridiculous amount I didnt not had at the time {$14000.00}. They kept calling me every day. They even contacted my mom. I also did not had possession of the car because I took it to a mechanic because it was having problems and I just left it there. Since I didnt have the car they told that they will take the car and I would still have to pay $ XXXX. I just XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to get back on my feet with my daughter and I need to fix this on my credit. 
Thank you

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 2022-07-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I was at the market purchasing my groceries and my XXXX debit card from Bank of America was declined. I tried logging in to my bank account and I wasnt able to login. I called Bank of America for help and the gentleman said I had XXXX amount in my account. My bank account had {$5200.00}. I asked him if I can login because I didnt make any large purchase and that there was a fraud on my account. They asked me several questions and from what I remember the last purchase I made was at XX/XX/XXXX from One sol. I wasnt able to log back to my account and see the transactions. They said the investigation will take 45 days and they will send me a new card. On XX/XX/XXXX I called Bank of America because I received a letter stating that there was no error on my claim and they consider it resolved. I spoke to lady name XXXX and made another reconsideration to the claim. I asked if I can know where the transfer or transaction was made but she said that she wasnt able to tell me but advised me to file a police report. On XX/XX/XXXX I made a police report of a grand theft.

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 2022-07-05 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: AMA Advisors, LLC.
State: GA

Complaint narrative:
Homebridge financial Services is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to XXXX that I have " XXXX late payments ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This credit card is DISGUSTING!!!! Ive always done business with Chase & never had a problem until this credit card!!! Ive only had it for 3 weeks and already FIVE TRANSACTIONS HAVE BEEN DECLINED!!! First few were from XXXX and XXXX and they said it was the address that was different now its at XXXX!!!! This credit card company is a scam!!! Just realized Im almost at {$500.00} in spendings, which means they would owe me {$200.00} back.hmmmmm I have well over {$2000.00} to spend, my monthly due date isnt until next month, SO THERE IS NO REASON FOR THIS!!!!! Plus the fact that Ive now been on HOLD trying to get a representative to see what the problem is and Ive been waiting for someone to answer for two FULL HOURS!!!! UNACCEPTABLE!!!!! I will be telling everyone how they treat consumers!!! Im done as soon as I get my {$200.00} and will NEVER EVERRRRR DO BUSINESS W THIS LOWLIFE COMPANY AGAINNNNN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX I logged into my banking app for Direct Express to check my balance. I noticed some unusual pending charges. I called the bank right away and tried to dispute the charges, but because they were pending I could not open a dispute. They told me they could cancel the card and issue a new one. I received the new card late on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I could not dispute any charges because while waiting for the new card my account was suspended and they could not look up any of my information. I called back on XX/XX/XXXX and opened a dispute on all the charges that had posted even after my card was suspended on XX/XX/XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX {$16.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$18.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$15.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX 's {$9.00} ). They opened a fraud case and sent me a form to fill out. I received the form on Friday XX/XX/XXXX and it stated they needed it back by Wednesday XX/XX/XXXX to continue the investigation. I filled it out and sent it back Priority Express 2 day mail. I received a letter on XX/XX/XXXX stating they finished the investigation and did not find any fraudulent charges and would not reverse the charges back. 

I have not traveled to XXXX XXXX any time recently. I do not have a XXXX XXXX nor a XXXX XXXXXXXX XXXX anywhere near me. I told them this but they still choose not to consider all the charges fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27 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: IL

Complaint narrative:
In accordance with the fair credit reporting act - 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 also states a consumer reporting agency can not furnish a account without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: IL

Complaint narrative:
In accordance with the fair credit reporting act - 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 also states a consumer reporting agency can not furnish a account without my writing instructions

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