vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
our business account with JP MORGAN CHASE BANK was permanently closed by the bank and they were suppose to send us a check for the balance amount in our account via mail within 10 days. we tried to contact them but the bank says that our account is under investigation and there is no time limit to when the decision will be made. 
its been more than 5 months since the account closure. 
We have called and emailed so many times but no one replies. all they say is " THE ACCOUNT IS UNDER INVESTIGATION '' and they can not tell us anything else. 
OUR business has been destroyed because the amount in the bank was of our clients and we are ruined financially due to this action. 
kindly help us resolve this situation so that we can receive our clients money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: IL

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. 
XXXXXXXX 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXXXXXX These have violated my rights per 15 U.S.C 1681. 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: EQUIFAX, INC.
State: NE

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of 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 explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 non-monetary relief
Consumer complaint received 2023-08-30 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Debt collection XXXX was deleted twice cause I have evidence showing that collection and account doesn't belong to me. XXXXXXXX XXXX  sent me a letter about 6 months ago and they deleted the collection now Midland Credit Management keep pushing this nonsense messing with my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXXFORTIVA XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I paid Ally Financial the month of XXXX in advance for my XXXX XXXX auto loan. I made the early payment of {$340.00} on XX/XX/XXXX. 

On XX/XX/XXXX I asked Ally Financial to refund me the early payment since I was trading in the vehicle at the end of XXXX, before XXXX, and I wouldn't have the car in XXXX. 

Ally Financial said they would process the refund and it would take 7-10 business days. They also gave me a reference number ( XXXX ) for the refund. 

I traded in the XXXX XXXX vehicle to XXXX on XX/XX/XXXX. 
XXXX then paid off the Ally Financial XXXX XXXX auto loan on XX/XX/XXXX. 

I never received the {$340.00} from Ally Financial. Instead, I received a check for {$27.00} on XX/XX/XXXX from Ally Financial. 

I reached out to Ally Financial on XX/XX/XXXXXXXX  and asked where my refund of {$340.00} was. They told me that I should dispute the charge with my bank to get my refund since the payoff was already made. They also stated that the {$27.00} check was an extra payment from XXXX. 

I then disputed the charge with my bank ( XXXX XXXX  ) and provided the necessary documentation and received a reimbursement from XXXX XXXX  of {$340.00} on XX/XX/XXXX. 

Once I was reimbursed the {$340.00} from XXXX XXXX, I received a call from Ally Financial stating I still owed them this new amount of {$340.00}. They also told me I would be getting a {$770.00} check in the mail and they failed to explain why. 

I then received numerous calls, emails, and texts from XXXX 's employee XXXX XXXX to pay Ally Financial the {$340.00}. 

Once I received the {$770.00} check in the mail from Ally Financial, I deposited the check on XX/XX/XXXX and paid Ally the {$340.00} on XX/XX/XXXX. 

Ally Financial then had the full {$770.00} check refunded back to them from my bank on XX/XX/XXXX. 

So I still paid them the {$340.00} early payment and I still haven't received the refund for it.

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 2023-08-30 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: WI

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.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've request copies of the billing statements from the origination of when the card was opened. The copies I receive do not show in detail the transaction charges, credits, or details in regards to the account. The statements only include charges from purchases, but the statements do not include vital information such as the account balance summary, promotional purchase summary, or finance charges to the account. That information is excluded and is necessary to review potential overcharges to the account. I spoke with XXXX XXXX on XX/XX/XXXX requesting this information and I was assured that it would be resolved. The matter is still unresolved as XX/XX/XXXX Amazon XXXX XXXX XXXX with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon XXXX XXXX XXXX to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon XXXX XXXX with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since XXXX to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.

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 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, I visited a Chase ATM outside one of its branches ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to deposit {$9500.00} cash ; however, the machine displayed that only {$8300.00} was deposited. I canceled the transaction, but only got {$8300.00} back. In other words, the ATM ate {$1200.00}. I immediately talked to the branch manager to try to resolve the issue. After calling a separate department at Chase, she told me they would investigate ; in the meantime, they issued me {$1200.00} " missing credit claim ''. 
On XX/XX/2023, they clawed back the {$1200.00} " missing credit claim '', without providing any specific/meaningful explanation. I visited the branch and talked to the branch manager again ; however, after internal investigation I was told that they could not find evidence that the ATM ate the {$1200.00}. Over the course of the past several weeks, I tried multiple times to escalate, without success. They told me the case ( case # XXXX ) was closed. 
I suspect that the investigation was done by junior employees who either did not care or did not understand how ATM works. This whole situation is completely unacceptable, and I am hereby seeking help from CFPB. Much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief