vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank has notified they are closing our credit card due to a " publically reported financial investigation ''. No such event has happened. 

Upon calling they will not give any information other than we have to send a letter to appeal, but there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Enova is the parent company of XXXX XXXX. Enova has allowed XXXX to run a rogue operation to destroy small businesses and owners by piercing the corporate veil to harass business owners and release private information to other financial institutions in an attempt keep company bound to their predatory loans. The company showed patterns of racism by attacking me as a XXXX business owners despite having paid 100 % previous loan. 
We have been a faithful and on time paying customer for over two years. We wanted to leverage our relationship with XXXX by moving our payments from Weekly to Monthly based on our great payment history. Our vendor started paying us at XXXX days in XXXX so we wanted to move to monthly. We communicated that this remaining amount would be paid off by the end of XXXX or XXXX based on a lump sum payment that we are due to receive by the end of XXXX. I had spoken with XXXXSupervisor so she told me that this would not hurt my credit and breach the agreement if we changed from weekly to monthly payments. XXXX suggested that we reduced the payments temporarily so that would not impact our credit history and additional funding for our upcoming contract. We agreed to this amount which was only reduced by XXXX. I have spoken to my bank today so the banker communicated to me that XXXX told them that my account was late for one reduced payment last week. This company operated in bad faith since no one including XXXX or any other representative state that this would be late or report badly on my account. Nor does the email attached communicates this. This was not any savings to my account. We believe this was tortious interference since the bank was going to pay this off which would reduce the amount of revenue that this company could gouge from me based on interest and payments. This company has no integrity or morals. XXXX was not honest today with her statements that I was told this account would be late. I was told today by another rep that my account was current. That is not true. They gave slanderous information. I have asked that my account be shut down immediately due to breach of trust and fiduciary duty as a financial institution. I have the emails and my record of payments attached. Also, this was a violations of privacy. This company has since retaliated by threatening to sue my company. This company has placed derogatory information on my personal credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson capital systems claims that I owe them {$350.00} from XXXX. I have never had XXXX  so Im not sure what they are charging for. 
I want proof that I have/had a contract with XXXX because I dont recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Estate Information Services, LLC
State: PA

Complaint narrative:
After an attempt by my legal counsel to understand the debt ( he was left in a state where neither of us understood how there was a debt. ( This was supposedly settled. ) ), the Estate Information Services company began to expand their radius and began calling members of my family about the debt.

I am the administrator of the estate, neither of my parents are involved in the estate, and I am not a minor.

My parents have no relation to this case, and they should not be contacting my parents about 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 2024-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has been told not to contact me at work, and has been calling my employee number 4/5 times a day. At this point it is harassment to not only me but my co-workers and is not accepted at my job! Have been told by me and my employer not to contact me at work and they will not listen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please delete these inquiries. I lack information on this, and the company acted without consulting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My mortgage account has shown multiple 30-day lates on my credit report. Upon researching, I found that the issue was due to a payment from the previous servicer that was never applied to the new servicer. I contacted the previous servicer who provided the tracking # ( I can not located but I provided the tracking # to the current servicer so they have it ) and confirmed the package with the forwarded payment was received by the new servicer. The payment is from XXXX of XXXX. I have contacted the new servicer multiple times since XXXX of XXXX and to this day my account still shows as behind. I have provided them with a check for every month that cleared my bank account to prove I've never been behind 30 days as well. There is no sense of urgency and I have been trying to refinance my home since XXXX but I can not due to the late payments bein accurately reported which the current servicer should face repercussions for holding my account hostage as again - I have provided the tracking #. In every case that I called they requested me to provide documentation when they could've easily called the servicer who transferred the loan and settled the misunderstanding directly with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SoLo Funds Inc.
State: NJ

Complaint narrative:
On XX/XX/2024, I used the Solo Funds Inc. platform to obtain a personal loan. However, when I tried to withdraw the funds from my " solo wallet '' into my bank account, I received an error message stating that there was an " internal issue '' and to " try again in a couple of minutes or contact support for assistance ''. After waiting several hours, I contacted Solo Support. On XX/XX/2024, I received an email from a Solo Customer Service Expert. They explained that the platform was experiencing a temporary update and that they anticipated resolving the issue within the next 24-48 hours. 

Unfortunately, the issue has not yet been fixed and the funds remain in my solo wallet with no way for me to transfer them to my bank account. If I am late with a payment, I will be charged fees. 

To obtain a personal loan on the Solo platform, both the borrower and lender must enter into a loan agreement and Promissory Note. However, the platform issues are impeding the execution of that agreement. Solo has not been transparent with their users, and even after 7 days, thousands of users continue to be impacted while Solo remains silent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: HW Holding, Inc
State: TX

Complaint narrative:
XXXX  see attachedXXXX  I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNT REPORTING. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : LETTER TO REMOVE INACCURATE CREDIT INFORMATION To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are the items in error : XXXX XXXX XX/XX/2020 Balance : {$3600.00} Account Number : XXXX I am unaware of the above-listed account. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions.

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : XXXX ). Defamation XXXX ). Negligent Enablement of Identity Fraud XXXX ). Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via thXXXX XXXX XXXX XXXX  along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Trying to assume loan on property I live in, that became mine after my mothers death. Tried modification 3 times, each time they come up with reason why it hasnt been approved such as missing documents after those documents have been sent. Just completed another trial modification and now am told they need proof that I can legally make modification. Assumption of loan was done over a year ago with documentation!! Now theyre asking for it again and telling me I have to start over again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America. 
While applying there was a special offer : XXXX Bonus Miles + XXXX XXXX ( XXXXXXXX XXXX ). After making {$3000.00} or more in purchases within the first 90 days of your account opening. Plus, get XXXX XXXX upon approval. The agent I spoke to when I received a call from Bank of America to verify some information repeated and confirmed the same offer! 

While receiving my card I got a flyer with the same offer. A few days later I lost my wallet and had to replace my card. I receive my card with a different offer : XXXX Bonus Miles after making {$3000.00} or more in purchases within the first XXXX days. Plus, get XXXX XXXX upon approval. 

I immediately contacted Bank of America Customer Service about the different of offers. They opened a case and investigated my complain. A few days after, they told me that it was a mistake and the offer was only XXXX Bonus Miles. 

I told them that the confirmation I received while applying with the conditions says : Bonus Miles and XXXX Offer. Receive XXXX XXXX upon account opening. Limit one opening of account XXXX bonus offer per XXXX XXXX member. You will qualify for XXXX bonus miles and an additional XXXXXXXX XXXX if you use your new credit card account to make any combination of purchase transactions totaling at least {$3000.00} ( excluding any fees, such as the annual fee ) that post to your account within 90 days of the account open date. 

They just replied : " we are sorry, you can visit a branch ''. 

I contacted directly XXXX XXXX they have confirmed the offer of XXXX XXXX upon approval + XXXX bonus miles and an additional XXXXXXXX XXXX However, they told me to see directly with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JP Morgan Chase Headquarters XXXX XXXX XXXX. 
XXXX XXXX NY XXXX Dear sir, I have received a call from one woman, who claimed herself as a manager of XXXX XXXX branch of XXXX XXXX The phone number said XXXX. Even though the number ( XXXX XXXX ) of this branch was different from her number, I tried to call her to determine what this woman was meant after many issues happened, since my family had never services from this branch. When she called her, while I was waiting to transfer, the background sound became obscure instead of music. I asked this woman the intention of call. She answered to ask me to open a CD. I told her I did not have intention of it at all. She asked me whether I had the issue with Chase. So honestly, I answered I had with many banks. I asked her how she got my telephone number. She told me she found it because of the account. Since I did not have the account, I clearly told her I did not have any intention to have any deals with her. The account we have was joint account and only my husband handled it. Since it is not clear the number XXXX is really Chase manager number or not, I prefer not to be contacted with a branch manager, where I never had an account, until I will decide to open an account. 
Sincerely,

Company response to consumer: Closed with explanation