vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NAVY FEDERAL CREDIT UNION
State: CA

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

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello!, i wanted to see about coming to a resolution with my finance company Ally Financial in regard to my XXXX XXXX XXXX. I was reported late 30 days with them XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus. While I will not deny that I was late those two times the reason for me being late was due to acquiring XXXX XXXX both times. My wife, myself both caught XXXX  which took us both out of work for an extended period of time. In fact, my wife still is experiencing XXXX complications until this very day. 
With us being out of work some bills did get behind. I called and asked for grace in regard to the situation and was refused any. In XXXX I made my payment online on a XXXX  and was told by a representative that it would be fine then next thing you know I was marked as being late. In XXXX I spoke to numerous people and conveyed the XXXX situation and still nothing was fixed. My loan as of today is paid off in FULL all that am looking for is can Ally Financial please take the late payments off of my credit report. They have their money and I would please like to have my credit report in good standing so i can be able to move on with my life. Prior to XXXX the only time I was late was when i had no job and that was in XXXX. I just would like my credit restored please.

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 2023-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Approximately 2014, I was a patient at XXXX XXXXXXXX XXXX. They advised I needed a XXXX XXXX  for XXXX. I requested the cost before I could decide if I would move forward with the purchase. They said they would contact my insurance company for coverage and went ahead and took impressions at that visit so they would already have them if I decided to move forward. I received a quote for the cost of the guard but was told they needed to reach out to see what insurance would cover. I said okay - still not agreeing to purchase as I couldnt afford if insurance didnt cover 100 % ( or close to it ). Upon my next visit, I was being handed a mouth guard and told it wasnt covered at all by insurance. I never accepted the product. They even called me for several months asking me to pick it up. Again - I NEVER AGREED TO BUYING THE GUARD WITHOUT INSURANCE COVERAGE NOR DID I EVER TAKE RECEIPT OF THE ITEM. They sent the debt to a collection company who continues to report the debt as a collection for years. I have tried several times to dispute but they just put a statement valid debt - consumer disagrees without any proof to invalidate my above claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: TX

Complaint narrative:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

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 2023-03-12 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: TX

Complaint narrative:
My account should be marked paid up to date. Not late on any reporting agency. 
I spoke with the company to remove these. And update my payments they agreed

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 2023-03-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
FUNDS WERE ILLEGALLY TRANSFERED FROM MY CHASE BANK SAVINGS ACCOUNT TO A THIRD PARTY, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

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

In accordance with the fair credit reporting act XXXX acount # XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: NH

Complaint narrative:
My XXXX credit report shows two collections for Medical Debt to XXXX in the amounts of {$130.00} and {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
The original creditors XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as a fraudulent account on a police report that I have sent them. As a result they were removed from my credit report. LVNV Funding LLC is the new agency reporting the fraudulent account. They are reporting on my XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, my questions and concerns ( or disputes ) regarding my XXXX  XXXX XXXX and XXXXDept. of Edu accounts have been redirected, ignored, reversed, denied, deleted, and added back to my consumer credit report with Equifax. This has been an on-going issue for over 1 year. The Agency will not permanently honor and add these account under my XX/XX/XXXX XXXX  XXXX Bankruptcy as closed with no late payments since XX/XX/XXXX ; although, the agency has re-added the bankruptcy to my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: SC

Complaint narrative:
I was approved for the Biden student loan discharge. I have the email verification issued involving the loan discharge approval. I request that the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CarMax, Inc.
State: CA

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

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CA

Complaint narrative:
On XXXX XXXX XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on XXXX of my accounts. I notice that this particular account XXXX XXXX ( XXXX XXXX ). Ive never been late on this account and it shows as an open account when this particular was closed on XXXX XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
In accordance to Fair Credit Report Act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 Section 602 States I Have the rights to Privacy 15 Usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 Usc 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial has reported negative information regarding my credit score. I do not owe GM Financial anything. XXXX XXXX XXXX dealership does. I have no legal binding loan contract with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CA

Complaint narrative:
On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.

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 2023-03-12 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: CA

Complaint narrative:
On XX/XX/XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on one of my accounts. I notice that this particular account XXXX XXXX XXXX XXXX XXXX XXXX Ive never been late on this account and it shows as an open account when this particular was closed on XX/XX/XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2023 I applied for a Discover card through their website directly. My XXXX credit score on that date was XXXX Immediately after applying, I was asked to call an XXXX number. After calling the customer service number provided I was told that I would be receiving an email for a tax return release so that Discover can verify my identity. Discover received my tax returns from the IRS, including dependent social security numbers and information. After several weeks, I reached out to Discover to inquire about my application status. They now wanted pictures of my ID and social security card. About four weeks after my initial application, I receive a denial letter stating that Discover is unable to verify my application! This is absolutely ridiculous after they collected so much personal identifying information. I am requesting that Discover remove the hard inquiry from my XXXX credit report and permanently delete all personal information on file that they collected from me during the application process. As a California resident, I am entitled to request such. Lastly, Discover has no business collecting names and social security numbers of children and dependents on tax returns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accelerated Receivables Solutions
State: WY

Complaint narrative:
I was served papers by a debt collection agency as their first point of contact for a debt that isn't mine. They also attempted to charge interest on the debt, which is illegal. When I tried to contact them to resolve the issue, they refused to answer or call me back, which is also a violation of the law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide me with certain information, such as the amount of the debt, the name of the original creditor, and my rights to dispute the debt. It's clear that the agency did not follow these requirements by serving me papers as their first point of contact without any prior notification or discussion with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Credit company is stating my card was closed in XXXX but I used my card in XXXX to buy XXXX presents. I made my payments in XXXX and paid off the card in XXXX and XXXX and paid an extra {$100.00} to have a positive account balance. I was never notified that my account was closed or that there was any issue with the account. Only mail I ever received was the account monthly statements. Account is closed so be it. All I'm asking for is the extra 100 returned. There was evidence of all this but now I'm locked out of my online account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Every month I receive a check from the XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$240.00} ( for the past year, I deposit it into my Chase checking account using a mobile deposit. ) In XXXX, I received a check dated XX/XX/XXXX, and subsequently deposited it via mobile. At the end of the month, I saw that the deposit was not shown as a transaction to the account and called customer service at Chase. She said they never received the check, and told me to redeposit. I tried to redeposit but it said it was a duplicate. ( This was XX/XX/2023 ). I then submitted a Chase claim, which they denied because they keep saying the check is a duplicate, and my deposit shows XX/XX/XXXX ( yes, of course, because I deposit the same amount ( different check ) every month. ) They will not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: OR

Complaint narrative:
Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top I cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

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 UCS1681 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