vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation

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 2021-05-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2021 {$450.00} Needs Attention XXXX XXXX Reported : XX/XX/2021 {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-05-10 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: GA

Complaint narrative:
XXXX XXXX XXXX Reported : XX/XX/2021 {$450.00} Needs Attention XXXX XXXX Reported : XX/XX/2021 {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX1 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Hyundai Motor Finance continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on XXXX. This car was included in our bankruptcy and needs to be removed.

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 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Brown and Joseph, Ltd
State: MA

Complaint narrative:
I had XXXX insurance with XXXX insurance because we thought we where going to get a large contract and open a business. The contract fill thru and we did not open our company but we paid the insurance policy anyway in good faith. We got paperwork to audit the policy and I filled it out explaining that we did no work because we never opened. They sent the balance that they made up to Brown and Joseph in IL that have be rude and treated me on several occasions!! I have done my part with XXXX and they have not done anything and Brown and Joseph are being scary!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX continues to report an account that was opened XX/XX/2015 after contacting them numerous times and having my attorney send a letter they finally removed the incorrect information from XXXX XXXX however it it still on Equifax. This car was included in our bankruptcy and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I bought a used car from Credit Acceptance back in XXXX of 2000 and I had the car for three months until they came and repossessed the car without notice. I got a letter from them telling me that they repossessed the car because no payments had been made on it which I didn't know because I never had use of the car, another person was using the car all this time. After I found this out they said I could get the car back which I tried to do several time but they never told me where the car was at so I could get it back because I had made payments on it myself. I came to find out that car was down state where I could not get it because I have no way to get it and they said that they didn't have no way to get to me. I have as of lately found out that the car still has not been sold and it is at a repossession dealer near me but I can't find out where it is. 
Since they have done this it is on my credit report which had and is making it hard for me to get a place to live so I ended up living in a homeless shelter for nine months. I need a car badly but I don't want to get it through them again. Can you please resolve this problem for me. 
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 monetary relief
Consumer complaint received 2021-05-10 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: CORELOGIC INC
State: IN

Complaint narrative:
I contacted the three major credit reporting agencies at the beginning of XXXX to inform them of 71 total inquiries on my credit report that I was not aware of, or I didnt authorize. I have some serious concerns that I may be a victim of identity fraud and I am in the process of following the proper procedures for that. I have been a victim of this in the past in the spring of 2016 and these seem to be the same signs only more extreme in this situation

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 2021-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been unemployed since XXXX XXXX i filed for benefits and was approved, my claim was not payed till late XXXX, i was able to access the funds once.XXXX XXXX  granted my back pay as well, a lump sum over XXXX on early XXXX my account was frozen, i then reached out to XXXX and got it all straightened out.. Bank of america has recieved notification of my identity and still wont release account, ive talked to several departmenmts regarding my dilemma from fraud to deceased line, answering every question with true facts, everyone right. now they tell me to walk into a branch in order to recievt my money? while all banks are only letting consumers use a.t.m.s. how am i supposed to do that

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 2021-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 53 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
We had a home loan on a condo with New American Funding that was paid on time every month for over 3 years. We then sold the condo because we bought a house and once we closed on the condo the loan was paid off in full to New American Funding on XX/XX/2021 which was immediately reflected in our account. Two days later we saw a pending transaction in the amount of the past monthly mortgage amount, so we immediately called New American Funding and was told the transaction was not likely to go through because there was a {$0.00} balance so it couldn't go through. The transaction did go through so once again we called New American Funding to let them know and we were told it would be refunded by Friday XX/XX/XXXX or Monday XX/XX/XXXX. It is now XX/XX/XXXX and we called them because we still have not received the refund and were told it would take longer because they needed to process the request before they could write a physical check to mail out. We told them that is not acceptable because of the financial burden it places us in, and because they had no right to take that money in the first place. They didn't care. We will be contacting our lawyer about it if we don't have our money that they stole from us back by the end of the business day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Car/lease was paid off in full from my car insurance due to total loss on XX/XX/20 For XXXX. 
On my credit it is showing XXXX from this company Chrysler Capital. 
I called. Chrysler Capital, according to them car was paid off in full and they dont know about the XXXX on my credit. 
No one could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I have repeatedly asked this debt collection to cease contacting me. They have been unable to show the debt is mine and it is way past the statute of limitations. Yet, they still contact me after being asked to 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 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
experian has an account for XXXX XXXX XXXX that is not mine on my credit file in the amount of XXXX i have sent in dispute letters on XX/XX/2021 and have not gotten a response back

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 2021-05-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I disputed this debt with Portfolio Recovery about a credit card that was discharged by XXXX. I sent statements that stated that I owed less than the amount that was noted for the debt. In return they sent the debt to be collected by a law firm, XXXX XXXX XXXX. We came to an agreement to settle the account for {$2000.00} since thats what I actually owed and not the {$3900.00} they were trying to collect. When calling or even using the chat line they refuse to even tell me if they received payment or anything regarding the account. So why is Portfolio Recovery reporting on my credit report and they cant tell me absolutely nothing about a debt they are trying to collect? If Im only to speak with the Law firm then they should be the ones reporting and not portfolio. They even locked me out on my account on their website so I cant even see if they received the payment I made a few weeks ago. Still shows {$3900.00} and I cant speak to anyone about this manner because Portfolio will not speak to me about it and the Law Firm has to ask Portfolio about anything with the account and when I call to speak to the lady handling the account, she doesnt return my phone calls for days at a time. Also upon payment they have on their website and made a statement that they will delete all information off anyones credit report when debt is paid, full or settled for less.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
When I pulled credit on myself I noticed a credit card acct with Chase ending on XXXX that has a balance of {$23000.00} on my credit report thus lowering my Beacon score. I am an authorized user on my Dad 's credit card acct and that is what this is, but I am not liable for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to you because I have been discriminated against and my rights have not been respected by Chase Bank. 
I have been a customer of them for many years with my personal accounts and credit cards. 
On credit cards I have always been an excellent payer. 
On Friday, XX/XX/XXXX, I realized that my two credit cards had been closed, and I could no longer use my available credit. 
I checked my credit report through XXXX XXXX and I saw that a business card appears overdue for more than 60 days. 
This card was from a business where I was a partner and because of the pandemic I couldn't go any more and my former partner said he would be responsible since they were business expenses. 
Unfortunately, on XX/XX/XXXX, my former partner had to close the company ( used car dealer ) and he did not inform me that he had never paid for it. 
Chase Bank never contacted me to offer help and I reported this business card on my credit report and also closed my other personal cards that were up to date. I have not even received communications by Mail. 
In the credit report I could see that there was an Inquiry on XX/XX/XXXX by XXXX. I do not know this Inquiry, I request that the recording tapes be reviewed since I did not make any request for an increase in the credit limit. 
We are experiencing an unprecedented pandemic situation and they did not offer me help. Instead they took measures that have generated even more anguish and economic precariousness since the credit that I had available was what I had to face medical and food emergencies for my family ( We are a family made up of my husband and I ( XXXX XXXX Men ) and XXXX XXXX daughters. 
Last year my husband and I were unemployed, which has been a great financial storm in our home. In addition, we suffered from XXXX XXXX. I took at least 6 months to regain my health. 
This year XXXX I had to face the closure of my company, something that caused a great XXXX not only in me but also in my family. 
During the month of XX/XX/XXXX I got the XXXX vaccine and 30 days later I still don't feel completely well. I had side effects. 
The government has helped the banks with money and the banks do not pass the benefits on to the citizens. 
The government has made great sacrifices and the banks continue to charge interest rates that are usury. In addition to continuing to harass clients to collect unpayable debts that clearly announce in the account statements that if the minimum payment is paid, you will be paying for 35 years. 
I don't have enough life to pay for this. 
It is an outburst and it is USURE. 
I request my rights be respected and stop discrimination due to my XXXX origin and XXXX condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
This debt was debt was settled and the company reported the same debt account to my credit house 4 times in an attempt to hurt my credit file on purpose. This is malicious and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
on XXXX i, the consumer sent a letter in response regarding innaccurate and unknown things on my credit report.to this day over 47 days later. I have not recieved a response yet. I feel as a federally protected consumer im being taken advantage of and being igniored of my dispute. Section 611 ( a ), It is plainly that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. it has been over 47 days. So they should be deleted promptly. I demand these accounts be deleted immediately or i will file litigation due to the stress you have caused me. My infomation was also impacted by the equifax data breach and may have gotten int the wrong hands.

Company response to consumer: Closed with explanation