vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I went in person to XXXX XXXX XXXX XXXX and turned in my written notice to vacate in 60 days to leasing agent XXXX XXXX who accepted my written notice. The notice is uploded and XXXX XXXX even added to the explaination in his own handwriting " moving to XXXX ''. I was instructed on XX/XX/2021 by XXXX XXXX to leave they keys to the apartment in the drop box at the office as no one would be there to collect them on a holiday weekend. I vacated on XX/XX/2021 and I have a video of the apartment the day I moved out. In the fall of XXXX sent me a letter from their attorney stating i owed a few XXXX dollars for vacating without notice. I promptly called the attorney, I believe her name was XXXX XXXX and explained i had the proper documentation and the conversation i had with XXXX XXXX. She told me the company made a mistake and this matter would be taken care of. XXXXXXXX XXXX  has now wrongfully put me in collections AGAIN stating I did not provide proper notice to vacate 2 years later! I have attempted to contact them 3 separate times and the receptionist told me every time that no one was available to speak with me. She assured me someone will call back and no one has ever contacted me. XXXX XXXX has kept improper records resulting in possible damage to my credit. I have also included a dated screenshot from XXXX XXXX website from XX/XX/2021 with my apartment listed for rent in XXXX the XXXX of XXXX proving XXXX had notice I was leaving.

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 2023-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have had a savings account in our Trust name with Chase Bank for approximately 20 years. On XX/XX/XXXX I bought a Certificate of Deposit for a large sum of money for a 3 month term at 4 %. On XX/XX/XXXX we received a letter from Chase that they needed us to come in and sign a Certificate of Trust Existence before XX/XX/XXXX to keep our accounts open. We did so on XX/XX/XXXX at XXXX. We received another letter from XXXX dated XX/XX/XXXX reminding us that they needed help to update information for the Trust when it is most convenient. I called on XX/XX/XXXX our customer rep ( no answer ). I then called the branch manager ( no answer ). So I called Customer Service. They told me that my savings account had been closed for inactivity. My last transaction was on XX/XX/XXXX. then the bank removed money to pay for my safety deposit box. I then drove to my branch of Chase Bank to talk to the bank manager to find that not only the savings account was closed, but also the CD as well. They were both closed on XX/XX/XXXX and checks were sent in the mail on the same day. Since then, they say the checks are in the mail and will not write me a balance for the closed accounts. I never received any notification that they were closing any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I'm paying close to the next payment date but always pay it before a 30 late can be done. But they keeps reporting me thirty days late. I have the info that would always show I have never been 30 days late. When I call in the personal even state that I never been 30 days late. I have my payment records that would show I have never been 30 days late. M bank is XXXX XXXX XXXX XXXX. These late payments needs to be removed. Also my account has been moved around which I do not understand why. My account was with XXXX XXXX.This company is trying to destroy my great credit rating. I need help I have all records to confirm everything about my account. Also I added an item that had a promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: MD

Complaint narrative:
We paid off the entire balance ( around {$4200.00} ) on our UNITED/Chase credit card on XX/XX/XXXX because we are traveling abroad and wanted to have the full card limit available ( {$5000.00} ). 

The funds were withdrawn from our bank account on XX/XX/XXXX. The new balance on the credit card account reflects that new balance ( around {$200.00} ). On XX/XX/XXXX we called Chase Card Services because the card did not work at the hotel reception. We were told that there is a 6 day hold until the funds become available on XX/XX/2023. 

We requested a partial release of the funds to be able to pay the hotel but the person we talked to ( XXXX-did not provide last name ) kept repeating the same and claimed he was the manager. 

It is not acceptable that a bank or credit card provider sits on our money for 6 days before releasing it. It does not take 6 days to make a bank transfer from a checking account to a credit card provider, when it takes 1 day for an average person to do so. 

We have had this card for over 20 years now and will most likely close the credit card account after this exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: OH

Complaint narrative:
I have recently been trying to resolve late payments that XXXX XXXX has reported to the 3 credit bureaus on my account. On XX/XX/2023 XXXX XXXX granted permission to Equifax to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called Equifax and confirmed with an agent that the late payment had been removed and I was told XXXX XXXX agreed to remove the late payment. I then called XXXX XXXX asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my Equifax credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: AK

Complaint narrative:
Hello, I am at a loss as to why my credit score is going down instead of up. I've reviewed my credit report for faulty information and the only thing I have found is that if I used a credit card and the balance has gone up a bit, my score goes down. I've been paying off a significant amount of debt and it takes months for that to show up on my credit report and hopefully have it go up. 

The system says 35 % of your score is based on paying on time. I can find no data showing I have ever been late. 30 % is based on amount of debt in relationship to available and I am running at XXXX % which is well below the 30 % recommended. 15 % is based on length of debt. I'm XXXX XXXX XXXX so I have at least 40 years of exemplary debt history. 10 % is new credit-I opened a new account a year ago, and it went down. 10 % is variety of credit-I have a mortgage, multiple accounts of revolving debt, an RV loan, and a student loan I am co-signed on. 

Per online research when I pay off the student loan, my score will go down because my open credit amount will go down instead of going up because debt has been paid off. The same when I pay off my RV loan. When I don't use a credit card awhile, it is canceled without my consent and my open credit goes down and my score goes down. The only time I have significantly seen it go up was after two RV loans that were not canceled by the XXXX account manager, after I accepted one through the dealership caused my score to drop dramatically finally dropped off my report. But it did not go up as much as it had gone down. 

Why is there no benefit to paying off student loans, car loans, RV loans and mortgages? 

Doing research online confirms my belief that while I'm sure good intentions were there when this system was started, it has now turned into a scam manipulating credit scores based on factors unknown to the general public, resulting in consumers having to pay higher interest rates on consumer loans in the long run. 

My goal in writing this is that it will add my concerns to other consumers as to fairness/validity of the current credit reporting system, and hopefully result in a look into the system and possibly a revamping of the system for more transparency or a whole new system that is completely transparent and rewards those who are fiscally responsible.

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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, XXXX My wife and I traded her XXXX XXXX XXXX in on the XXXX XXXX Total payoff for the XXXX was {$5500.00}. XXXX The dealership gave us {$4000.00}. We also put down {$500.00} as well. The purchase price for the XXXX was {$26000.00}. The loan interest rate is 14.95 % so it cost {$15000.00} in interest payments for the life of the loan which is 72 months which brings the total amount financed to {$44000.00} for the vehicle.The payment for the vehicle is due on the XXXX of every month. Global lending services starts calling me and my wife by the XXXX of the month every month XXXX times a day sometimes more. They have went as far as calling our next door neighbors and threatening my wife that she had no rights and they could do so as it was legal. Upon having the vehicle for less than a year XXXX was forced to issue a recall on the transmission due to a software error that caused the engine to stall and increasing the risk of crashing. I had made several attempts to get the vehicle in and have been told that service departments are backed up. My wife was on her way to work on XXXX XXXX when a vehicle went to merge into her lane without seeing her causing my wife to slam on her brakes which caused the car to shut off which locked the steering and she was almost hit by a semi truck behind her as well as XXXX beside her. Thankfully both semi truck drivers avoided her by XXXX knifing their vehicles in the middle of the interstate. My wife is terrified to drive the vehicle now due to the constant issues with the transmission causing the engine to stall as it has happened a total of 7 times. I went to trade the XXXX in on something else and am told the pay off for the XXXX is {$30000.00}. This company is a predatorey loan company as they refuse to reconcile the loan terms or anything besides constantly having different employees call my wife with different dollar amounts due even if the payment is on time. I have all original loan documents as well as statements from neighbors of the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Source Receivables Management LLC
State: ID

Complaint narrative:
I have disputed this XXXX account that's on all 3 credit Bureau 's that says I owe XXXX, it came back that it is my account by the consumer. So I called the collection agency and I have the call recorded which I told them I was a recording so I wasn't doing anything wrong. First I was hung up on 2 times because the people couldn't find my account through my name or social security number. I was so upset that my fianc called back and spoke with them. To which again they said we can't find her account there is nothing listed for her. He and I both said then you need to take this off her credit reports, you can even find the account. to which their response was to hang up a third time. I called XXXX and was on the phone for 3 hours trying to get this removed off my credit report and they said dispute it again, which I did and the company cam back saying the account was valid. I asked XXXX where was this opened at? They said in Florida, I have never lived and Florida and followed up with how is it that I opened an account with XXXX which since has been removed off my report in XXXX XXXX  then 2 months later open another account with XXXX  in Florida. It shows all over my credit bureaus that I'm a victim of identity theft. I just found out yesterday that this person filed tax returns in my name which I will be filing a police report. But this company needs to remove this off. my credit bureaus. Ive done everything I can and I'm getting no where. It's source receivables. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This past XX/XX/XXXX my Bank of America alerted me of a suspicious transaction. 
On XX/XX/XXXX went to bank appointment and discovered more than a yr of fraud as well as suspicious activity online banking such as password changes, ID lookups ect. Filed claims ( bank still investigating ) .On XX/XX/XXXX froze bank account and opended new one. Found out $ XXXX that they denied all my fruad claims. I then told them I discovered identity theft as well on credit report so they said if I send in proof they might reopen the case.Then I decided to check my credit reports on XX/XX/XXXX and saw many fraud claims, inquires, log ins, 4 different names, 2 unknown phn numbers, prev freeze lifted without my knowledge. I made disputes, added fraud, and frooze accounts. Tried to log on XXXX and it wouldnt let me log in. Im a victim of identity theft, as well as bank fraud for a while now without me knowing due not frequently checking credit reports or bank transactions. I need help navigating all the info and help I can get to recover my money and identity and find out whos behind this. I have XXXX  kids to feed and need funds back soon! Please help me in any way you can, Im lost and overwhelmed. Tommorow I will be going to police to file a report. Thank you for any help or information you can provide.

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 2023-04-15 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: NY

Complaint narrative:
The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking 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

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 2023-04-15 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: NY

Complaint narrative:
The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal permanently restricted my account after I filed a complaint for a separate account a individual account and a business account are two different things my commerce should not be hindered and is a breach of contract these two accounts are not associated legal notice of rescission breach of contract I have several deposits being made to this account which will be illegally hindered and restricted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
Hi, I had XXXX XXXX in XXXX and moved to XXXX. The company contacted me and I refused to transfer the service to XXXXI requested to close my account, and nothing was pending. Then, a XXXX XXXX representative called me several times and finally I accepted a courtesy free-of-charged visit, I did not liketo visit and I refused service. 
Since then, despite several texts, e-mails, and calls, explaining all this, I have been harassedby XXXX and a collector called A.R.M.Solutions. 

I would highly appreciate a resolution and an explanation of what the XXXX government will do to protect me as an honest consumer. 

Kind regards, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi AAdantage Card took my payment over the phone on XX/XX/XXXX and put a hold on it for 11 days without informing me! When I called to make the payment on XX/XX/XXXX the Citi operator said that the payment went through and I could use the card immediately. The payment went through ( confirmed by my XXXX XXXX bank records ) on XX/XX/XXXX, but the hold unknown to me, was until XX/XX/XXXX. I called several times to see why my card was declined and was told that my payment just hadn't processed yet, but no one told me that the hold would be XX/XX/XXXX, 9 days after Citi received my payment! 

The payment I made on XX/XX/XXXX was from my XXXX XXXX account which I use almost every time I make a phone payment. Citi is taking advantage of me ; I am a widow and taking care of all my business by myself. This problem has caused my credit score to decline, as I show as being max 'd out on the Citi card. Citi should be penalized for their unethical behavior and I should receive compensation for my extreme inconvenience, hours spent on the telephone dealing with their error -- and economic difficulty caused by their unethical practices.

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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
Received a vehicle that was from auction with no inspection, no maintenance check, detailing, nothing. Also promised add one but never received them. Car was repossessed and sold. Also debt collection and sold.

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 2023-04-15 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: FL

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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 inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.

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