vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Dear Consumer Protection Financial Bureau ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase Business United Chase Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The United Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card services and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a XXXX impacted business card reporting very negatively on my Personal Credit ( over XXXX points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a federally protected consumer and my rights have been violated. Please review the attachments to see my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I would like to have the below listed inquiries removed from my credit report. These inquiries were not authorized by me! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2022-01-26 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the XXXX in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.

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 2022-01-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase XXXX XXXXXXXX XXXX Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The XXXX Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card XXXX and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a COVID impacted business card reporting very negatively on my Personal Credit ( over 110 points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MI

Complaint narrative:
I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.

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 2022-01-26 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: MI

Complaint narrative:
I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: MI

Complaint narrative:
I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.

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 2022-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Around 6 months ago Bank of America randomly sends me a letter saying I am 3 payments late and this will be sent to collections. I hadnt used this credit card for a while now and they never sent any letters telling me I had anything due. XXXX XXXXXXXX was the company charging me even after I canceled my membership with them a few months prior to this. I did everything they told me to do and they stated in person that I no longer had a membership with them. So 6 months ago when this first happened I reported fraud since it wasnt me making those charges and Bank of America credited my account but never did anything about my credit score.. and then they opened a credit card again without my permission. When I reported fraud I told them I want to close my account with them and didnt want a new one but they opened one anyways. Now three months ago they send the exact same letter only with a larger amount due thats also three payments late. I called them and said how is this possible, I dont have a credit card with you. I closed it already and the lady said that someone opened a new one after the fraud claim. Ive been to XXXX XXXX numerous times and they tell me I do not have a membership so I do not understand why they continue to charge me. Ive already put up a dispute against XXXX XXXXXXXX. Both Bank of America and XXXX XXXXXXXX caused my credit score to drop XXXX points. If Bank of America had sent me a bill when they were supposed to ( Im not even set up for electronic statements ) then this could have all been avoided but instead they are ruining the excellent credit score I had over their mistakes.

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 2022-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX.io ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 19,000 USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I had a truck loan with Ally Financial. They are showing i was 30 days late on one payment. That is incorrect and this loan is paid in full.

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 2022-01-26 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: World Acceptance Corporation
State: AL

Complaint narrative:
I was notified through a credit check company I use that World Acceptance Corporation changed the status of a loan I had with them from current to PAST DUE ..This was from XX/XX/2019 ..I was notified by the service that this is unusual so I should check my payment history carefully..I believe this was don't because I have not been back in to refinance a loan with them and XXXX  because I am not able to answer the phone 10 times day when they call because I am at work..I believe this has been done on all of my loan accounts I have had with them..They also run your credit report multiple times per year causing multiple inquiries on your report even though you are currently under a loan with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed that there are several inaccuracies being reported. According to the FCRA, as a consumer, Im entitled to a fair and accurate credit report. Im shocked at the amount of inconsistent and inaccurate information listed on my report and Id like it to be removed. All attached letters and evidence on these inaccuracies will be listed below.

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 2022-01-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX I sent a certified letter tracking # XXXX to your company demanding an investigation into the accuracy and validity of the following accounts and credit inquiries Please be advised that I have not received any communication in response to my initial letter, and under section 611 of the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives notice of the dispute from the consumer. If a creditor or credit reporting agency does not respond to a dispute or verify an account within 30 days, the account must be removed. 
1. Credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX 2. Credit inquiry from : XXXX XXXX 3. Credit inquiry from : XXXX XXXX  XXXX Credit inquiry from : XXXX XXXX XXXX XXXX 5. Credit inquiry from : XXXX XXXX XXXX  XXXX 6. Credit inquiry from : XXXX XXXX 7. Credit inquiry from : XXXX XXXX XXXX VIA XXXX XXXX XXXXXXXX 8. Credit inquiry from : XXXX XXXX ALSO IT IS OUTSIDE OF THE STATUE OF LIMITATIONS OF 2 YEARS AS OF XX/XX/XXXX. 
9. Credit inquiry from : XXXX XXXX VIA XXXX XXXX Therefore, I am demanding that due to your companys violation of section 611 of the FCRA , the accounts and inquires listed in the original complaint are permanently removed from my credit report, effective immediately. 
Please note that I am aware of my consumer rights as outlined in the FCRA [ 15 U.S.C. 1681s ], which grants me the right to recover a civil penalty in the amount of {$2500.00} for any company or person who violates the FCRA United States Code. I am also aware that I have the right to seek {$1000.00} per violation as outlined under section 616 of the FCRA [ 15 U.S.C. 1681n ] for each company who obtains a copy of my consumer credit report without my consent. If this account is not deleted from my credit profile, I will file a complaint with the XXXX, CFPB, and will seek civil penalty from the Civil Penalty Fund as outlined in the XXXX Wall Street Reform and Consumer Protection Act of 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 2022-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XX/XX/2022, upon viewing my XXXX credit report, I notice a significant decrease in my score. I telephoned and spoke with both XXXX and XXXX representatives. I was informed that there was a medical bill from XXXX XXXX XXXX XXXX submitted by L. J. Ross XXXX XXXX. I then contacted both XXXX XXXX XXXX and L. J. Ross, I was informed by XXXX XXXX that when an account is not pay in XXXX month the account to transferred to collection. However, I stated I had not receive any overdue account notice from L.J. Ross. I did was allowed to bring my account current by paying {$100.00} to XXXX XXXX XXXX XXXX. 

I was informed by XXXX XXXX XXXX XXXX that a notification would be sent to L. J. Ross of my payment and it would be L.J. Ross decision to remove the collection from my credit report. Then I notified L.J. Ross of my payment to XXXX XXXX XXXX XXXX. I was informed LJ Ross will wait for XXXX XXXX XXXX XXXX to notify them regarding my account payment. However, they could not ensure me that the debt reported on to the credit bureau will get removed from my credit report. I am disputing that I was not notified by XXXX XXXX XXXX XXXX of this debt being at risk of collection nor did L.J. Ross ever sent me a correspondence regarding a debt collection.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC
State: SC

Complaint narrative:
I have a bankruptcy on my credit report that is wrong.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
I received several calls from XXXX  in regards to owing a debt. I told them I minimally used this card since opening the account. There were tons of charges on the account that I didnt authorize. I called into XXXX XXXX department and they did nothing to help me. Ive been violated according to 18 US Code 1028a. They charged off my account without my consent and has caused great financial hardship due to them not doing there job and investigating the fraud that took place.

Company response to consumer: Closed with explanation