vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Not a duplicate, this is a request for additional information that was not provided in response to the first complaint with additional questions. 


JP Morgan Chase bank N.A. left the former property owners debt parked debt on my property XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  up until XX/XX/XXXX. I would like an answer as to why the previous owners debt mortgage satisfaction was not resolved at my closing in XXXX? Chase had stated : " We revied our system of records and found under loan ending in XXXX, that the lien release with instrument # XXXX was recorded on XX/XX/XXXX, for mortgage dated XX/XX/XXXX, in the amount of {$60000.00}. The information you requested has surpassed our seven-year retention period allotted for account information to be held in our system of records. '' Chase 's memory limitation of seven years means they do not want to answer legitimate questions. No reason was given for the purpose of leaving XXXX XXXX 's debt on my property to be satisfied 16 years later just after a wrongful foreclosure proceeding began by XXXX XXXX Bank in XX/XX/XXXX. After my closing in XX/XX/XXXX with XXXX XXXX, the former owner debt was supposed to be worked out and mortgage satisfactions recorded with the XXXX XXXX clerk. If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York. What was Chase Banks relationship with the XXXX XXXX clerk whereby they did not have to file mortgage satisfaction in a timely manner as per the statute? What was Chase 's financial motive for not executing the mortgage satisfaction? Did Chase receive the {$60000.00} from XXXX XXXX? Did Chase want to use the debt on the property for a deed of trust for their mortgage backed securities? Were there previous mortgage satisfactions filed with the county clerk after XX/XX/XXXX and XX/XX/XXXX by Chase Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee XX/XX/XXXX return payment XXXX fee I was told I could make payments by phone or on line with my wife 's payment bank account. I did and every payment I did it they were returned. I called on the due date when I seen I had return fees and demanded a supervisor after making a payment with agent. I was told fees were removed. I then asked the manager to take the payment to ensure I would not be late. Clarified it was with my wife 's banking information. I was ensured if the account numbers were good I can continue to make my payments with the account. I called on XXXX got a supervisor and was told again the payments returns. On that call only was I told it is not a guarantee that I can make my payments with my wife account. No where on the web site was that clear to consumers and the supervisor and agent prior. I did make sure that when I asked the supervisor on XXXX clarified if I made a payment with my wifes account it may return again. It is unfair the information I was given that I should have to pay any fees up until the supervisor on XX/XX/XXXX told me this information. If this is not a way to make a payment it should be clear on web site and verbally if payment with a agent on phone. I have my wife 's name as the account holder for bank information I was using with the agent and the supervisor. I was told the fees would be removed prior to XXXX and the supervisor on XX/XX/XXXX told me that no I was only able to have 1. This is unfair and how many fees is Target getting from people that don't know that you can't make payments from a spouse account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITICARDS CBNA Reported inaccurate information without my consent which is against the law. This account is not mine. 

According to FCRA SECTION 605b it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. 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 non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Monarch Recovery Holdings, Inc.
State: OK

Complaint narrative:
We have come to an agreement that if I pay XXXX percent of the total amount owed that this will be removed from my credit report on all three credit bureaus. On XX/XX/year>, I XXXX XXXX, paid monarch recovery which is the paid collection agency representing XXXX XXXX in the amount of {$2600.00} I am currently waiting on a letter from them stating that I paid them off. But I do have proof paying them from my bank account, showing XXXX transactions to credit acceptance. XXXX in the amount of {$2500.00} and the other one as {$180.00} I need these XXXX negative reports removed from my credit report, showing as a repossession, from XXXX XXXX as the one I owed, then it was sent to Monarch recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
Per the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX  Account # XXXXXXXX XXXX- Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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

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 2024-06-22 00:00:00
Product: Credit reporting 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: PA

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


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 inaccurate.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer rights have been violated. Experian is willfully being non compliant and aiding identity theft by reporting informantion that I never gave written or verbal consent to The following accounts are violations : 1. ) XXXX XXXX {$200.00} XXXX. ) Self/lead {$150.00} XXXX. ) XXXX XXXX XXXX I have never applied for these accounts, or consented to open these accounts. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.

Also in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed.

Please remove immediately!!!

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SECCTION 15 USC 602 ( A ) I HAVE THE RIGHT TO MY PRIVACY 15 USC 602 ( SECTION2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. ON XX/XX/year> I TALK TO THE FLOOR MANAGER ABOUT VIOLATIONS ON MY REPORT I PAID FOR A MONTH MEMBER SHIP FOR XXXX FOR THE FIRST MONTH EQUIFAX HAVE THE SCORES ON MY REPORT BLOCK FOR 2 WEEKS BECAUSE OF FAILURE OF MISSING INFORMATION ON MY REPORT THE CONSUMER LAW STATES UNDER USC 1681-1681X FAIR CREDIT REPORTING AND NEED TO BE ACCURATE AND COMPLETE SECTION 15 USC 602 ( A ) THIS FLOOR SUPERVISOR CANCEL MY EQUIFAX MEMBERSHIP WITHOUT MY CONSENT UNDER THE LAW FSC CODE 1681A-DEFINITIONS RULES OF CONSTRUCTION IS A VIOLATION. HE DID IT ON HIS OWN AND THATS 'S A VIOLATION UNDER THE CONSUMER LAWS I UPLOADED PROOF OF HIM CANCELING MY MEMBERSHIP THAT SHLOULD ME A AUTOMATICALLY REWARDED {$1000.00} FOR THE VIOLATIONS OF MY CONSUMER LAW RIGHTS AND ALSO MY CREDIT SCORES HAVEN'T BEEN SHOW IN THE LAST TWO WEEKS I ASK EQUIFAX TO FIX IT THEY REFUSE TO MY REPORT IS MISSING AMOUNT OF DEBT, LENGTH OF CREDIT HISTORY, AND AMOUNT OF NEW CREDIT MISSING INFORMATION ON A CREDIT REPORT IS A VIOLATION I ALSO ASK EQUIFAX TO REMOVE TO HARD EQUIRES ON MY CREDIT REPORT AND IT BEEN OVER 40 DAYS I ASK THEM TO REMOVE THEM 2 HARD INQUIRES OF XXXX XXXX XXXX DATES XX/XX/year> & XX/XX/year>. I SENT PROOF OF MY CREDIT SCORES NOT SHOWING AND PROOF OF THE MISSING INFORMATION ON MY REPORT AND PROOF ON THE UPDATE CREDIT REPORT THAT THE HARD INQUIRES IS STILL ON MY CREDIT REPORT I ALSO GOT PROOF I SENT THEM TO FIX MY CREDIT REPORT ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I'm locked out of my citizens bank account for no reason other than because i deposited a check for XXXX $ and it returned i have no idea why because everything about the check is right now they are not giving me a answer why and im locked out of my account and i i have bills to pay and i have deposited another XXXX $ and they said that should clear this Friday but they said about that almost every day with my first check that returns they keep pushing the date back My name is XXXX XXXX last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
Santander Consumer USA with account # XXXX Notice of excess state usury law interest rate. It has come to my attention that Santander Consumer USA are charging me an excess amount of interest rate that exceeds my state maximum usury law, the state of Connecticut maximum usury law on interest rate is 12 percent, on XX/XX/year>, I opened an auto loan with Santander Consumer USA and I was charged an interest rate of over 15 percent, I am not sure if Santander wilfully or fraudulently or if this was an honest mistake but you Santander Consumer USA has charged me way above my state maximum allowable usury law interest rate, I am here by seeking full remedy in excess of my state usury maximum allowable interest rate of the difference over 12 percent, all payments made in excess of my state usury maximum interest rate I want back in full goes to the principal and the auto loan.

Company response to consumer: Closed with explanation