vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ). 

I attached a consumer report as evidence.

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 2022-10-14 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: Credit Karma, LLC
State: IN

Complaint narrative:
Credit karma has told me on several occasions that I qualify for a new card and car loan with excellent approval only to be turned down everytime. This has caused my score to repeatedly go down and reflect negative marks on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called Experian to let them know there are 2 incorrect addresses on my credit report and they have yet to have the addresses removed.

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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX to let them know there are XXXX incorrect addresses on my credit report and they have yet to have the addresses removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/22 I closed Bank of America credit card ending in XXXX which was secured by my {$300.00} deposit. The card has a {$300.00} balance which I instructed telephone representative XXXX XXXX to apply to pay off, resulting in XXXX balance. 
XXXX continued to remind me to pay {$35.00} payment due XX/XX/22 despite my instruction to apply deposit to pay balance. The implication is that the bank is stalling on balance pay off to force my payment.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In 2009, I opened a chase bank account after graduating highschool, my father whom lived in XXXX would send me wire transfers to pay for my tuition in college, chase closed my checking account without any explanation. My only conclusion is this institution is racist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Self Financial Inc.
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: SC

Complaint narrative:
I have been with 3 different nonprofit lenders in the last 10 years. XXXX was the last one before the current lender named Mohela which took over in the middle of 2022. StudentAid.gov said that I needed to consolidate my loans in order to be eligible for the Biden exceptions during pandemic. I consolidated in XX/XX/2022. I had also applied for PSLF just as my XXXX to Mohela transition was happening, and the XXXX exceptions were being assessed. This may have confused the issue for Mohela as they are not counting Pandemic timeframe as payments toward PSLF. I also audited the listing of all of the possible payments that could have been counted with the Biden exceptions in the attachments. It appears there are at least XXXX payments that count towards the XXXX. Mohela is counting XXXX. The current wait time to talk with Mohela on the phone is XXXX minutes but I have stayed on hold for upwards on XXXX minutes before being disconnected on XXXX occasions from XXXX. I am logging this complaint so that there is evidence that the steps requested by XXXX, StudentAid.gov, and Mohela were followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Westlake Services, LLC
State: CA

Complaint narrative:
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
On Thursday XX/XX/2022 I spoke with several customer service representatives regarding my payroll direct deposit. My companys pay day is every Thursday ; however, my payroll check has failed to deposit into my account. I spoke with my HR representative who provided me with my direct deposit/check number. I called Chime bank regarding my direct deposit, they stated that my employer has failed to send it despite me having the direct deposit/check number. 

Upon investigating several customers that bank with Chime also have no received their payroll/direct deposit. It is now over XXXX hours and I have still not received my payroll check. The customer service representatives are of no help in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I moved out of my mothers apt in early XXXX. My mother passed away in XXXX and they are trying to collect a debt from me of XXXX for breaking lease and charging her. I tried to go to office its under new ownership ( the charges listed include dates the company was not in ownership as well ) I went to XXXX XXXX XXXX in XXXX nc as they owned at the time. They refused to give me a copy of lease and threatened to call police on me. Credit agency has yet to produce a valid proof of ownership I have been contacting them since last year. I request the lease that was given to them and I have yet to receive it. The most recent agent put me on hold in mid conversation because I asked for the lease and he said I should have it myself. ( Which I dont because I live in a different state ) I have notarized address proof. As well as my lease renewal I also receive South Carolina XXXX XXXX and Gov assistance for my child since I have been living here ( XXXX ) and the company is charging for XXXX The collection agency switches my agent everytime I ask for legal proof of debt. This is the 3rd agent over this matter. I have disputed multiple times as well as sent in supporting documents to all 3 major credit agencies I will be glad to submit all supporting documentation I have. Every lease has to be renewed and signed. I never came to sign. I also have a email from the property manager to my deceased mother stating they would let her out of the lease it was approved by the regional manager I can also submit tax returns filed in my state of sc if needed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I have a mortgage loan and a related escrow account with First United Bank. I requested that they close the escrow and send me the balance. I told them I can pay the insurance and taxes directly. They told me I would have to pay a fee of 0.025 % of the unpaid balance to close the escrow. For me that would be a fee of roughly {$230.00}. I asked them to waive the fee since this escrow closure fee was never disclosed to me during the loan process. They declined and I asked to speak to a manger and they declined to provide a manager for me to speak to. This fee is unethical, outrageous, illegal and not usual or customary. I have had several mortgage loans over the year and have never paid a fee to close a related escrow. Additionally I was not given the option to waive the escrow account when the mortgage was underwritten.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. 

I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. 

These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.

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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: EVERBANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On XXXX XXXX I created a monthly recurring bill pay for {$140.00} to pay XXXX XXXX for a new life insurance policy. I tried to accomplish this on my checking account with TIAA bank. A few days later I looked and I see that TIAA bank has sent my payment to XXXX insurance which is a completely unrelated company. They sent an electronic payment to XXXX with my XXXX policy number. I called TIAA Bank and they said they use a vendor for bill pay and would file a dispute. The bill pay person called me and we called XXXX together spending at least an hour on the phone together. They bill pay person told me to ask TIAA to credit my account for the error. I waited until Monday XX/XX/10 to call TIAA bank but when I asked them to credit my account for the error they refused XXXX the error was the vendors fault. As of now my payment is lost and my account has not been credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a certified letter requesting immediate closure of my checking account. To date, it has not been done. Yesterday, they allowed a online payment to go through even though this account should have been closed. I had to initiate a transfer from my current account to this account that should have been closed. Please assist me in closing this 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 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX/XXXX  BANK XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX DEPT OF XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  FINANCE Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX  CARD SVCS ) Account Number : XXXX XXXX  RESOURCE XXXX ( XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX  DATA SYSTEMS I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX SO ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO ) Account Number : 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 

Company has violated CFPB regulations and Federal laws. You have unlawfully provided me ( the consumer ) with a financial product ( Apple Card ) which is not in conformity with Federal Consumer Financial Law.

Company purposefully omitted the third party information disclosure opt-out option from their privacy policy.

Company purposefully omitted instructions on how I ( the consumer ) can exercise my right to opt-out of third party disclosures.

Company unlawfully committed the abusive act of disclosing my nonpublic personal information to non affiliated third parties ; XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was victim to a XXXX scam via the Chase mobile app on XX/XX/XXXX. It was during a potential XXXX marketplace transaction for a used baby product I was selling. The scammer said via XXXX XXXX that the payment they had given me was being held by XXXX due to her account being a business account and that i would have to upgrade my account to a business account to receive my money. I was also sent an email by the scammer from XXXX verifying this. Outlined in the email, the buyer would first give money to XXXX, followed by me giving the same amount to the buyer. XXXX would then release funds to me once I had an upgraded business account. This resulted in two separate transactions, one to the buyer and one to a XXXX agent. I lost a total of {$1000.00}. I contacted Chase regarding this on XX/XX/XXXX and filed a claim. I also sent Chase claims supporting emails and chat transcript with the scammer. I was denied any reimbursement from Chase on XX/XX/XXXX with a letter saying that as we discussed and agreed, no action will be taken. I did not agree that no action would be taken. I was under the impression a claims agent would look into my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions or crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: FL

Complaint narrative:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: OR

Complaint narrative:
This is concerning a disputes that I took with XXXX XXXX and Equifax concerning two credit cards, one from XXXX XXXX, which was a XXXX XXXX credit card and the other was with XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXF Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX   Account Number : XXXX DEPT OF EDXXXXE Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX  XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : 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