vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: IL

Complaint narrative:
The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report.

Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at around XXXX I called my bank to inform them of the unauthorized transactions on my account totaling {$1600.00}. I had told them that I had contacted the merchant which whom I'd never heard of, but was unable to find anything out. The transactions had been spread out, yet Chime never thought to flag these constant multiple transactions from an online merchant from another country. On the following day, XXXX XXXX at XXXX however, I received a decision on my dispute. According to Chime, they say those purchases were authorized by me, which they weren't. After complaining that they did not even look at the material facts, and informing them that I'd be filing a complaint, they sent me a followup email telling me that I could submit a rebuttal if I was not content with their decision. I immediately requested the documentation they used to make a decision on this dispute in less than XXXX hours, but I was met with resistance. I requested they begin the rebuttal and look at the material facts and provide me with something as I don't know that merchant, don't know what they offer, and have never authorized a payment to them. I waited since XXXX until this Monday, for the documentation they used which only contains a list of the transactions, the fact that I had my card when I reported this but they don't mention if the card was physically swiped so this has nothing to do with someone using my card information. The question about my pin being in a secure location should simply say yes, because memorized is secure. " If no, then where? '' should not be answered unless memorized is not secure. Lastly, their reasoning for their decision is because the account balance was drained. It is overwhelmingly clear that Chime has not done their due diligence with my dispute and simply denied it in under XXXX after being filed, denied without any proof other than the account being drained, possibly in an act of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: IN

Complaint narrative:
First Progress bank put a closed account on my credit report about 2 months ago. I disputed the account as fraudulent and they responded saying that they weee able to verify my identity. I have had a ro lemon with the credit bureaus opening credit accounts in my name without contacting me to verify my identity. Specifically XXXX allowing upgrade bank to open an account with fraudulent information. I am asking that First Progress remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America denied me for several auto loans that I qualify for. I know that I qualify because on the same day that I was declined I was also approved for the same auto loan product.

- My credit score was the same in both applications, the information that Bank of America used to approve me is the same information they used to deny me on the same day. The decisions were in minutes of each other. While my credit worthiness did not change within minutes - to deny me for a product that I qualify for and have been approved for is discriminatory and not legal as Bank Of America is supposed to be an Equal Opportunity Lender.

- Bank of America Corp. has a recorded history of XXXX discrimination in the past has implemented a XXXX re-education program that claims the United States is a system of white supremacy and encourages employees to become woke at work, instructing white employees in particular to decolonize your mind and cede power to people of XXXX. - According to an article in the XXXX XXXX  XXXX. 
- Although Bank Of America is making attempts to do better. I still find myself as a minority person of XXXX discriminated against. How can I qualify for a product and then not qualify just a few minutes later? Especially when Bank Of America has approved people of other skin XXXX, age, culture and religion for this same product with lower income and credit worthiness than myself- which is discriminatory and illegal. 
- I am aware I may have accidentally put the incorrect income in some of my applications- this was simply a typo/clerical error and is no means an excuse to deny my account. Especially since Bank of America has required additional criteria and changed the qualifying requirements after already approving my loan # XXXX ( this is illegal and discriminatory as well as terms may not change after offering them unless previously stated in writing ). 
- Bank of America has requested additional documents after already approving my loan # XXXX. 
- But they did not request additional documents before declining applications # XXXX, # XXXX, # XXXX, or # XXXX. This is discriminatory treatment as Bank of America has denied some of my applications for the same reason they approved XXXX of my applications. 
- This would only be fair if 100 % of applicants were denied under the same guidelines, but because Bank Of America has not made the same requirements for everyone but theyre making it XXXX for me- this is discriminatory.

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 2022-12-07 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: National Credit Systems,Inc.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late f purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is in Violation of my HIPPA Rights. The HIPAA Privacy Rule is a federal law that gives me rights over my health information and sets rules and limits on who can look at and receive your health information. The Privacy Rule applies to all forms of individuals ' protected health information, whether electronic, written, or oral. The HIPAA Security Rule is a federal law that requires security for health information in electronic form. In addition, the Patient Safety Act and Rule establishes a voluntary reporting system to enhance the data available to assess and resolve patient safety and health care quality issues, and provides confidentiality protections for patient safety concerns.

EQUIFAX continues to report inaccurate information on my consumer report. a medical collection on my consumer report. This is not my account which I told them back in 2018. ( FCRA 15. U.S.C 1681 section 62.3 ) not only have they violated my HIPPA rights they AGAIN have violated the FCRA which protects consumers from inaccurate credit reporting. I also OPTED out of any reporting with this company. Under 15 usc 1681 section 602 states I have the right to privacy! I no longer have a contract with EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
Account name : ACCOUNT XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2022-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased my first home with my then husband, in XXXX of 1992, The program was called " XXXXXXXX XXXX XXXX '' Both of us qualified for the loan and have a recorded deed and note. Years later I call the bank inquiring as to why I am not getting the credit in which I should as to our mortgage? I never have never gifted nor sign anything to anyone. Therefore I am in need as to how this took place. The bank refuses to talk to be about it since the showing that I qualified for my mortgage that should have been paid off next year? When my husband and I where to refi, on a void agreement and still his wife, did not mean to add his girlfriend now wife to my house and take mine off. Where are my papers that I paid the bank off? I have many concerns as to how this happened? Thank you for possibly getting my answer in which I have every right to get. 
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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: IL

Complaint narrative:
My card was copied at a XXXX XXXX XXXX atm that l use. On XX/XX/22 l used my card for a withdrawal for {$420.00} someone did a balance inquiry first they took {$100.00} and then {$300.00}. The next day l tried to use my card purchase was denied. Come home called the customer service. I sent emails gave written statements. Told them this wasnt my transaction. I already knows how much was on my card. I call never do a balance inquiry. I dont know why its been so hard to get my money back. I filed a police report and they still denied me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: MD

Complaint narrative:
I am a natural person and a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they have violated my rights numerous times. I demand the hard inquiries that have been put on my equifax be removed. According to 15 USC 1861, I have the right to privacy and I did not give Equifax written permission to furnish my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am being charged overdraft fees for payments that did not take my account into overdraft. 

It is because the bank is holding onto the payment and processing it says later than it was authorized. 

I have contacted Well Fargo to request refunds and I am told that there is nothing that can be done about the issue.

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 2022-12-07 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: MD

Complaint narrative:
Hello, several times I submitted a complaint about this company. On XX/XX/2022, I submitted XXXX as a dispute about bankruptcies that they supplied to the credit reporting agencies. I disputed those bankruptcies on the grounds of consumer laws ; 15 U.S.C 1681 ( a ) ( 4 ) 15 U.S.C 1681 Section 604 A Section 2 Once LexisNexis came back saying my bankruptcy was accurate and verified, I sent them a letter asking for, 15 U.S.C 1681 a ( e ) They sent me a letter on XXXX XXXX stating that bankruptcy was unverified through the XXXX report and it will be updated and deleted from my file. I called again on XXXX XXXX for verification of the deletion. A representative told me that they only deleted one of my bankruptcies and the other one came back verified?! I asked how is that possible when you got your information from XXXX website and that I didn't give permission nor did the bankruptcy courts provided that information. They could not answer 15 U.S.C 1681 a ( e ) How could one be verifiable and the other is not? I want the other bankruptcy deleted from my report. I will upload the letter they sent about the deletion from my file and copies of my XXXX Report to show proof that they lied about being unverified because they know they violated Consumer Law 15 U.S.C 1681 a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
" A direct deposit, in banking, is a deposit of money by a payer directly into a payee 's bank account. '' - XXXX By refusing to accept a disbursement from my XXXX IRA as a " qualifying direct deposit '' for their promotional offer, Chase is discriminating against my source of income, acting in bad faith, and deceptively advertising their promotion.

Chase bank has advertised a promotional offer, whereby they promise to pay a {$600.00} bonus to customers who open a checking and savings account, deposit and keep {$15000.00} in the savings account for 3 months, and make a direct deposit to the checking account. Chase does not specify an minimum amount or frequency for the direct deposit, but they do give some examples of what won't be accepted for the purposes of the offer, such as micro-deposits or person-to-person payments. An email I received XX/XX/22 from Chase 's customer service stated : " Please be reminded that a Direct Deposit is whether your paycheck, Social Security or another source such as a pension or retirement plan credited directly using your account and routing number. '' After completing the requirements and not receiving the bonus, I contacted Chase who connected me to a special department, a liaison office between the customer and what Chase refers to as their " E-coupon department. '' In phone conversations on XX/XX/22 and XX/XX/22, I was told repeatedly that transfers from a retirement account would qualify, but that the direct deposit from my XXXX IRA was " coded '' as coming from an investment account. The CSR suggested that if I provided a screen-shot showing the deposit was from an IRA, Chase would honor their offer. However, after providing this evidence, in a phone call on XX/XX/22, the CSR changed her story and said that IRA distributions would not be accepted for this promotion. 

For the record, XXXX XXXX, XXXX, and Chase on previous occasions, have accepted - without issue - a distribution from my XXXX IRA as satisfying a direct-deposit requirement. 

Since my direct deposit met all requirements, except, according to Chase, the SOURCE of the deposit, and since all of my income is from XXXX and other bank deposits, it really does seem that Chase is discriminating against me based on my source of income.

Beyond this, it really seems that Chase is going out of their way to snub customers, despite the fact they have FULFILLED ALL THE FINANCIAL REQUIREMENTS of the offer. If the purpose of the offer is to gain more happy customers, Chase is achieving quite the opposite. 

By any normal definition, an electronic payment of my IRA distribution from XXXX to Chase IS a direct deposit, and Chase stated on three occasions, that a deposit from a retirement account was acceptable, so I am asking Chase to pay the full {$600.00} bonus to my account, as per their advertised offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: GA

Complaint narrative:
Relocated to another state and received the final bill of {$400.00} on XXXX that would fall due on XX/XX/XXXX. Paid the entire bill on XX/XX/XXXX, but the balance was sent to LJ Ross Associates for collection on XX/XX/XXXX although the bill was paid on XX/XX/XXXX. A representative told us we had 60 days to make the final payment before it would even be sent to a collection agency, so we paid it before the 60 days past due mark. 

The collection agency and XXXX ( XXXX ) have been going back and forth about this since XXXX, and since then, the collection agency has now put this balance on my credit report, and it is being reported to all 3 reporting agencies although this was paid on XX/XX/XXXX, and it should never have gone to a LJ Ross Associates. LJ Ross Associates has constantly received information from XXXX stating we owe the {$400.00}, but when we call XXXX, they state we paid it on XX/XX/XXXX and it should have never gone to an outside collection agency, and they say they have been sending information to LJ Ross Associates showing that we paid the balance on XX/XX/XXXX. This is frustrating and all the while, it has caused my credit score to dip over 20 points. 

Please help!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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