vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XXXX of this year, Chase decided to include XXXX transactions as " cash advances ''. I reviewed their definition of cash advance, and a XXXX transaction does not qualify. To make matters worse, I received absolutely no warning of the change. No email, letter or other communication warned me that I'd be charged {$10.00} plus interest for every XXXX transaction. I've now been charged well over {$100.00} worth of fees. I've attempted to resolve this with the credit card company via phone, email and XXXX XXXX. Each time, I've been told that they tried to process a refund, but that the request was denied. I researched this matter on XXXX and learned that many other consumers have also been charged these unexpected fees and interest for XXXX transactions without any warning about the change of Chase 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 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: NY

Complaint narrative:
XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 According to 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 2022-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have insurance and the hospital did not submit my insurance information to cover the costs for this bill. I've called the hospital multiple times to have them add my insurance to the bill. They failed to submit any of my information and now my bill has been sent to collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I bank account was opened In my name and address. I never approved this opening

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 2022-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
On XX/XX/2022 I cancelled policy number XXXX after XXXX increased rates. I have the policy cancellation and confirmation email from the company stating I have XXXX balance on that account. This is the second time XXXX falsely reports this to the credit bureau and hurts my credit score. They refuse to answer my direct emails and continue have ignored my requests for providing documentation proving explaining these charges and why they are linked to my report. This is inaccurate information and they are in direct violation of some of my consumer rights. I am submitting emails received from XXXX  demonstrating inconsistencies with their numbers. Cancellation was done in XX/XX/XXXX they did not cancel it until a month later. I am still owed {$930.00} for overpayments

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 2022-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
From about XX/XX/2021, we have had a harder time paying our mortgage before the end of the grace period. We have maintained our payments and kept it current by paying before the XXXX of the next month, when a new payment comes due. 

In the last 2 months, we struggled to pay by the first and the lateness progressed, so we reached out to the company to rectify our delinquency. 

The company requested documentation and we uploaded the information per their request. 

Their sole resolution to our issue was to delay 1 payment, change our mortgage payment to {$9.00} less than its current amount, to lengthen the loan repayment from XXXX XXXX XXXX years, AND require a forbearance amount of {$61000.00} due at the end of our loan, but doesnt accrue interest. 

Wow, what generosity. /sarcasm I am sickened and appalled that this is their resolution for moving a single payment to the end of the loan to bring it current. 

How many people has Rocket Mortgage, or others, screwed with such foolishness? Why are mortgage companies allowed to prey on consumers when we fall behind ; especially when our tax dollars bailed them out just over 10 years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I asked to have this account closed due to very poor customer service. I also asked to have a confirmation letter sent to me to verify that they did close this account. Talked to at least 5 people. They all said they would either fax, mail, or send a letter thru their website messages. I have not gotten any! Also when I log into my account it is still showing that I have {$18000.00} line of credit. If the account is closed wouldn't it say {$0.00} since I do not owe any money? 
I want nothing to do with this company!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.

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 2022-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been incarcerated for three years XXXX to XXXX I have all the proof of incarceration I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from prison and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my # 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had called by Finance company to ask for an extension on my vehicle payment they had stated that they had summited my request then I get an email from XXXX XXXX  that my score when down based on a report form my finance company Ally I then called Ally and asked what happen they said it was a mistake in there end but unfortuanlly the report already had gone out and there was nothing that they can do but grant me another extension I need this late payment to be removed from my credit report since it was not be fault I only have 3 payments left on my vehicle I was not expecting this to happen when i only have 3 payments left I had requested this because I had a family member passing away and was not sure if I would have been able to cover funeral services and my vehicle payment and now am stuck with a bad note on my credit report I would like to start in investigation please or something but I would like this removed 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I live at one address and that is XXXX XXXX XXXX XXXX XXXX Illinois XXXX. Thats the only address that suppose to be on all 3 of my credit reports.

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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. 

Account name : XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX XXXX XXXX  has violated my rights. 

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 r

eporting 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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In conformity 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. 
Account name : XXXX XXXX XXXX : # XXXX Account name : US dept of education # XXXX Account name : XXXX # XXXX Account name : XXXXDept of ED # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX all of these accounts has violated my rights. 

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In conformity 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. 
Account name : XXXX XXXX XXXX : # XXXX Account name : US dept of education # XXXX Account name : XXXX # XXXX Account name : XXXXDept of ED # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX all of these accounts has violated my rights. 

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2022, I started a phone application wi5h Care Credit. After I was transferred to a live agent I decided to cancel the application. 

Later that night I was looking into my finances and checked my credit score. While reviewing this I found that Care Credit had submitted two inquiries into my credit. At first I wasnt concerned thinking one was soft, early in the phone call and the second was a hard inquiry. In looking further, I found that both were hard inquiries. I did not think to get a screenshot of this. 

I called the credit bureau listed and was told I had to talk directly with the company from which I applied to. 

The next day I called Care Credit XXXX Synchrony Bank. I had multiple phone calls with them. They told me : *I needed to talk with the credit bureau agency. 
*They only made one inquiry *Refused to investigate further. I suggested they contact their IT department, because if Im seeing two hard inquiries and they only see one, there is a problem somewhere. She refused, saying something like there was no problem with their system. I also pointed out this could be happening to others. She did not help. 

Today, XX/XX/2022, I received a letter from Synchrony Bank stating my credit application was not approved as based on the results of the credit checks, they were unable to confirm my identity. There was no mention that I cancelled the request. 

The reverse side of the letter states, Requests for a copy of your credit report should be sent to the credit reporting agency on the reverse side. If no agency is listed, a credit report was not utilized in making this decision. I have several issues : XXXX. There was no decision to be made as I cancelled the application. 
XXXX. There was no credit reporting agency listed, but they admitted on the phone they had made one inquiry. 
3. Im unable to obtain the free copy of my credit report as the agency name was not listed. 

I just checked and my credit score has dropped by XXXX points, and the only thing noted was the increased inquiries reported. This is the first time I, ve checked it and it has been under XXXX. It is usually around XXXX or higher. 

At the very least Id like to file a report with XXXX explaining this situation to any creditor concerned about my credit I will be avoiding applying for credit from Synchrony Bank, even though they back so many store cards. Im also not using any credit cards I have with them, XXXX XXXX. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX balance on XX/XX/XXXX XX/XX/XXXX - Minus XXXX XX/XX/XXXX - Then charged for an overdraft fee ( put me in negative even though I should have had a positive balance of XXXX Then XXXX charge XXXX balance Charged another overdraft Refunded overdraft Balance should still be XXXX Charge of XXXX Balance should be XXXX Then charged another overdraft ( even though balance was in the positive. 
XX/XX/XXXX balance should be XXXX The pending charges that the bank charged overdraft fees on XX/XX/XXXX, one of the overdraft charges didnt post until XX/XX/XXXX which I had transferred money to help with the balance. So on XX/XX/XXXX, I transferred another {$30.00} which posted to my balance then the first pending charge of {$7.00} went through. So again I was in the positive nulling out the 1st overdraft fee charged on XX/XX/XXXX. Making my balance at {$26.00}. Then the 2nd overdraft fee charged on XX/XX/XXXX which also was nullified due to a positive balance for a charge of {$25.00} posted on XX/XX/XXXX. So my true ending balance would have been {$1.00}. I have a copy of the account and the charges. There shouldnt be an overdraft charge on a pending charge that posted 1 and 2 days in the future affecting my daily balance. I requested the XXXX overnight charges to be refunded due to a positive daily balance minus their future overdraft pending charges that posted 1 and 2 days later in which I still had a positive balance.

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 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
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

Company response to consumer: Closed with explanation