vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank in XXXX  XXXX on XX/XX/2022. My account was frozen unable to use funds. Use ATM or debit card. When I tried to resolve the problem Chase Bank said it was fraud and there was an investigation. However, they could not provide a claim number to supposed investigation or any information pertaining to why my account is locked. I was told to contact the sender which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lincoln Educational Services Corporation
State: SC

Complaint narrative:
I have placed a dispute with this creditor XXXX XXXX, XXXX, and XXXX in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and XXXX failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and XXXX have not been properly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have placed a dispute with this creditor XXXX XXXX, XXXX, and Equifax in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and XXXX and Equifax failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. XXXX and Equifax have not been properly investigating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: MA

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, I submitted a transfer request on my online account to transfer {$6000.00} to a bank account in my name that I had verified by confirming 2 small deposits. On Monday, XX/XX/XXXX, I attempt to sign in to verify the status of my transfer. My account was locked, and I was instructed to reset my password. When I attempted to reset my password, I was told to call. I called Ally, and after a 30 minute cal, I was asked to verify information about my account. I provided all of the requested information. As the call was ending, I was told that the account is under review for activity, and there is no additional information available. When I asked how long the review would be in place, I was told that I could not be provided this information. I was told to call them for updates, but they would only contact me if they needed more information. 

The {$6000.00} is a loan from my parents to pay my payroll on XXXX. Now, my account is locked and I have no guarantee that the funds will be released or when the investigation will end.

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 2023-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NC

Complaint narrative:
Attempt to collect by XXXX XXXX XXXX XXXX ID : XXXX Original Dept : XXXX XXXX XXXX. XXXX XXXX : XXXX Date XX/XX/2008 This is an attempt to collect a fine on a car we do not own. We have NEVER registered a car in XXXX. We have never had a XXXX license or plate. I have asked XXXX XXXX and each debt collector to show the address on the registration card for the Car with the license plate in question. I have never received a response, only more harassment. I'm tired of this! 

In 2008 there was a company in Florida named " XXXX XXXX XXXX ''. I looked it up on the internet when I first received the notice. My son also had a company in XXXX with the same name. XXXX XXXX apparently could not collect from the XXXX company so they accused us of not paying the fine. As per XXXX XXXX, I have sent drop dead letters to every company attempting to collect but they keep passing it on to the next company. THIS MUST STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the provided letter, the individual is disputing inaccurate names and addresses on their credit report. The discrepancies include names like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Additionally, there are listed erroneous account names and numbers ( ID # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ). The letter cites the Fair Credit Reporting Act ( FCRA ) and specific provisions ( 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681c ) that mandate accuracy in consumer reports, investigation of disputes, and the inclusion of relevant creditworthiness-related information. The individual requests a thorough investigation into these inaccuracies, the removal of incorrect accounts, and the provision of an updated credit report. The letter also warns of potential legal action if the dispute is not addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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 2023-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Today, XX/XX/2023 @ XXXX a.m., I received an email, from Nelnet, regarding a student loan. How could this be? This company receives loans from Great Lakes and I have never had any dealing with Great Lakes and don't have any knowledge as to how they got my information. While submitting this complaint, I am on the phone waiting for a loan servicing specialist to assist me with the information needed to find out, how, why and when this loan was issues? Please contact this company and inform them of the dispute. As I am continuing to submit this complaint, I tried to enter my information into the automated system, my social security number and date of birth were correct, but when it asked me for my zip code, it was incorrect. This made me aware, that the address information on file is not mine and when the loan was taken out, the address used is not mine. For the past 12 to 13 years, I was homeless! So, I am wondering how and why this occurred?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: ME

Complaint narrative:
We have an automated.ACH transfer from XXXX XXXX XXXX to Key Bank for 4 years they have lost XX/XX/23 's payment ... XXXX assures it went thru and processed right and Key Bank denies it yet our checking account has had the money taken for the payment of {$680.00}. We have gotten the run around from Key Bank for 2 business days.. Both banks have made us do the toe to toe fighting. MEANWHILE I feel they lost, stole, miss handled or embezzled our money..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an email from Bank of America on XX/XX/XXXX ( enclosed ) notifying me that I owe them {$420.00} in unpaid fees related to a safe deposit box that was closed in XXXX of XXXX. I had to file a complaint with the CFPB at the time ( XXXX ), due to Bank of America 's willful negligence and inability to resolve this issue without the involvement of regulators.

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 2023-12-11 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: MO

Complaint narrative:
And yet again experian is closing complaints without having addressed any of the issues which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back and it is greatly affecting my credit

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are wrongly reported as late.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a verification and validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
With regards, Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you for your time, XXXX XXXX This Credit bureau is in violation of not reporting in 30 days, i want everything negative on my credit report which are account i included above to be removed immediately,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ordered through Chase gift cards ( {$800.00} in total ) using points on XXXX. They said the cards would arrive XX/XX/XXXX. On XX/XX/XXXX I called because the cards hadnt arrived and was told to call back in a few days ( i.e. give it a few more days ). I called back XX/XX/XXXX and was told the cards had in fact been delivered XX/XX/XXXX ( on a Sunday? ) and they needed to " escalate '' the matter ( open a claim, for which I received a ticket # ). I called back after XXXX and was told the cards were coming through XXXX and received a tracking number. The cards are showing on XXXX that they have not been sent out. The person ( XXXX ) I spoke with today said I would have to open a claim with XXXX. After asking to speak with a supervisor, I waited on hold for quite some time ( not the 40 min. they projected, more like 15-20 ) and spoke with XXXX a supervisor. XXXX was the most indifferent of the lot. I asked for the points to be added back to my card. He said they could resend the cards and the others would be cancelled, but he could not cancel the cards and just put the points back. Then he said he would open an escalation ( no number to provide, though I got one the first time ) and that someone in Marketing would decide if the points could be restored to my account; if not, then the cards would be sent via XXXX (! ) and arrive within 3-5 business days. XXXX epitomized customer no-service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
Santander ConsumerXXXX is showing on my credit report after it was paid and closed. It should not be on my report any more. I'm receiving calls and emails about a account that has been paid.

Company response to consumer: Closed with non-monetary relief