vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am the CEO and Founder of XXXX related business entities : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX has banked with JPMorgan Chase since XXXX. On XX/XX/XXXX I attempted to open XXXX new checking accounts with. JPMorgan Chase, XXXX for XXXX XXXX XXXX and XXXX for XXXX XXXX. As part of this, I deposited two checks. I deposited a check for {$24000.00} into the XXXX XXXX XXXX account, and a check for {$110000.00} into the XXXX XXXX account. I was told that these funds would be available by XX/XX/XXXX. About one week later Chase let me know that they had decided to " exit the relationship. '' Chase, however, has not returned the funds. I have spent countless hours on the phone with various VPs across a wide array of departments, including the fraud department. I have provided extensive documentation verifying my ownership of these entities. I even paid {$500.00} to amend and restate the Articles of Formation for XXXX XXXX with the state of Delaware, so that the Articles now clearly state that I am an authorized agent. Despite this, despite XXXX knows how many hours spent on the phone with Chase, they STILL have not returned my funds. On XX/XX/XXXX a branch XXXX for one of the XXXX XXXX locations ( XXXX XXXX ) told me that the checks were on their way. It is now XX/XX/XXXX, the checks have not arrived, and I truly doubt that the checks will ever arrive. When I asked for tracking numbers, Chase Support told me via a XXXX XXXX that the checks had been sent via XXXX and that there are no tracking numbers. 
Chase Bank has stolen over {$140000.00} from my businesses. I would like my money back. I have also filed a complaint with the California Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Student loan reports to my credit incorrectly and both the school and their reporting company refuse to correct it. Account was not serviced properly. No letters, no calls no emails were sent to advise I owe them money. First letter came to a relatives address and when I called I was told no account existed and not to worry. Later I find out theres an open collection on credit. I paid it off immediately. However, it appears that collection is still on my credit show past due, showing a balance due over the available credit limit, showing a payment equal to the amount due, reporting every month as an open account and XXXX  days past due. Both the school and school servicer reporting to credit refuse to give an accurate letter to match the account number they reported to credit. This prevents me from asking the credit bureau to dispute - account numbers do not match. I have requested credit bureau to call the school and gave my verbal consent to both. School servicer advised me that they dont talk to credit bureaus, and they only report what school gives them. This is a vicious cycle, which hurts me financially. Im unable to purchase a home because of this account and how it reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: 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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : N/A Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-02-09 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: 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. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XX/XX/23 XXXX answered call from Harris & Harris XXXX -He asked for me using my maiden name and I said yes that is me, but I haven't used my maiden name in 30 years. 
-Caller then proceeded to say they were calling from a debt collection agency. 
-I asked regarding what. He wanted my birthdate to confirm identity, which I refused to give stating I would not provide based upon identity theft concerns. 
-I was able to get the practice and physicians name for the supposed debt and informed him I have never heard of that physician ( XXXX XXXX XXXX XXXX XXXX XXXX and I have never been to a Northwestern Medicine facility. He proceeded to say yes you have because your insurance paid the claim, you haven't paid your part. ( I followed up with a call to my insurance and they did a search, not finding claims from that doctor nor XXXX XXXX. ) -I demanded that he send me a copy of the information so that I can dispute the claim and he said 'we already sent it to you ' and hung up the phone.

I have a legal right to the information since they are accusing me of owing a debt and they are not providing the information so that I may clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Throughout the time I became a legal adult in XXXX of XXXX  until now I have seen that Wells Fargo will notoriously move my transactions in my checking account to put me in a negative deficit and allow for overdraft charges. I estimate roughly about XXXX XXXX {$800.00} in overdraft transactions have been charged to my account due to this movement of my transactions. I know the transactions are being moved because I have screenshots of dates that transactions have been processed, only to find days later that the transactions were moved to another date which caused my account to go into a negative deficit and cause overdraft fees.

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 2023-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I bought a BMW XXXX XXXX VIN # XXXX from XXXX XXXX BMW in XXXX XXXX NJ XXXX I purchased the vehicle on XX/XX/XXXX and now it's XX/XX/XXXX and still have no got no plates on my car due to title issues. I suspect that the car title was not cleared prior to being sold to me, therefore the delays and I don't seem to get any specific answers from them as of why this is happening so I decided to file a complaint and see if I can get this solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged for a service I never received. ( Charged on XX/XX/XXXX ) and ( XX/XX/XXXX ) I disputed the charges and the bank issued a temporary credit ( XX/XX/XXXX ) the bank sided with the merchant and reversed the transactions. I do not want to be charged for fraud. They reversed the transitions on ( XX/XX/XXXX ) & ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC
State: SC

Complaint narrative:
On or about XX/XX/2023 I checked my XXXX consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that XXXX was reporting an collection account from ENHANCED RECOVERY COLLECTIONS I never gave XXXX written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and XXXX is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI XXXX XXXX IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT

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 2023-02-09 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to XXXX that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted 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 a account without my written instruction. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX. Incorrect Names : XXXX, XXXX, XXXX ; XXXX, XXXX, L ; XXXX, XXXXXXXX XXXX XXXX requested : DELETE XXXX. Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX Remedy requested : DELETE XXXX. Incorrect Employers : XXXX XXXX XXXX XXXX  Remedy requested : DELETE XXXX Inquiries : XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Fraudulent Credit Card : XXXX XXXX : Fraudulent Utility Accounts : 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 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2022 XXXX  XXXX XXXX  illegally sold my account to Resurgent Receivables LLC which was paid and settled already with XXXX  XXXX  XXXX  which I have the letter to prove from XXXX  XXXX, Resurgent Receivables LLC sent me a letter on XXXX XXXX 2022 which I responded back immediately within in 7 days through certified mail letting them know this is not my debt and if they believe it is to verify it I did not receive a letter back from them within 3 months after I sent them the letter to verify and contacted them many times but they are still reporting it on my credit report and it is hurting my credit bad, they are reporting it as a collection account, to resolve this issue I would like them to stop reporting incorrect information on my credit report on all bureaus, Resurgent Receivables LLC are reporting that I owe them XXXX dollars which is incorrect and not my debt I would like them to stop reporting on my credit report on all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

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 2023-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've tried having this fraudulent information resolved a few times to no avail. It's preventing me from taking a step in the right direction for employment and housing. I need help ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: VA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX and Transunion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX XXXX XXXX XXXX  less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX 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 2023-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI CREDIT SERVICES IS IN VIOLATION OF THE FDCPA & FCRA. 
PLEASE REFER TO THE DOCUMENTS ATTACHED TO THIS COMPLAINT

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