vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/22 I spoke to two separate representatives from JP Morgan Chase Credit card services. First customer service rep ( XXXX ) at XXXX on XX/XX/22 indicated to me the following after I inquired why am I not receiving monthly statements by mail. XXXX XXXX indicated, " you do not have any new purchases that is why your not receiving statements. '' I responded although I have not used the card on a monthly basis I still have a running balance and payments are being made therefore I should be receiving a monthly statement as I do for a couple other credit cards I have where I do not use those cards regularly but have a running balance. After I stated this, XXXX indicated " XXXX XXXX monthly statements are being generated but must be lost in the mail. After I questioned her why XXXX  first indicated, " no statements is being generated because I am not using the card monthly, '' XXXX  said that was a mistake and apologized. At that point I asked to speak with a ( MOD ) XXXX on duty and was asked to hold while XXXX  transferred me. After holding I realized XXXX  just put me back in the loop to speak to another customer service rep. 
At this point I hung up and proceeded to call again where I spoke with with customer service rep XXXX XXXX XXXX who indicated to me the exact same thing as XXXX indicated above, " I am not receiving statements because I have no recent purchases. '' After I indicated to XXXX as I indicated to XXXX that if I have a running statement I should be receiving a statement. Once again I was answered with " my mistake I do see you have a balance. '' When asked if I am signed up for paper statements XXXX indicated " No, you are signed up for paperless '' but previously XXXX indicated statements are being sent to me but lost in mail. I promptly requested statements be sent via paper. 
My question is, how can I speak to XXXX representatives and basically get the same information but when I question them they turn around and tell me something totally different. 
I am asking for your assistance in resolving this matter. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Complaint, XXXX and XXXX  to Bank of America and demand for disclosure of documents. If Bank of America refuse to provide it to me via CFPB, I will issue a subpoena for these documents. 
Bank of America is a part of collection and servicing team who assists others in collection and servicing activities, thus a subject for disclosures under FDCPA and RESPA. 
Between XX/XX/XXXX to XXXX all my money were collected by XXXX XXXX XXXX XXXX XXXX and XXXX and deposited with Bank of America XXXX 
I demand to identify owners of the accounts where my money were deposited and names of each individual employee who had authorized access to these accounts, with contact information of these companies and individuals. Identify the named payee on this account. 
I demand copies of these accounts monthly statements history, which can show all debits and credits, starting from XX/XX/XXXX to XXXX. 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-21 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:
This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: OH

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose

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 2022-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage was previously through XXXX XXXX XXXX. I received notification that the mortgage now belongs to New Residential. I have never missed a payment with XXXX and my escrow was always in the positive. 

I just received my first bill from New Residential and my mortgage payment increased from XXXX to XXXX with no explanation why. 

The payment is due in less than two weeks.

I contacted New Residential and asked why there was a significant increase. They advised that XXXX and made a mistake and wasn't billing me properly and that I owed a significant amount of money to escrow. They were unable to provide me with exact numbers but said that i should receive an analysis in the mail within 7 days. 

They also stated that I am responsible for these errors made on XXXX 's behalf. 

I can not afford this payment moving forward and will most likely go into foreclosure due to this significant increase. 

They are stating that my monthly escrow payment is approximately now going to be {$1000.00}. 

My homeowners is is {$3500.00} a year Town Taxes are {$1900.00} a year School Taxes are {$2700.00} a year This comes out to {$8200.00} a year {$680.00} a month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I wrote Bridgecrest on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX  my now deceased parents got a loan from SunTrust ( now Truist ) to buy a new vehicle using the house as collateral. They paid this loan off early after SunTrust raised the payment without just cause. My stepfather XXXX XXXX paid the last XXXX XXXX of the loan at once to satisfy the loan debt completely. However, SunTrust never removed the XXXX on the house without our knowledge. Now, both my parents are deceased and I'm in the process of closing a sale on the house to save it from foreclosure. However, I can't, because Truist is attempting to collect XXXX $ ( the original principle of the loan I'm pretty sure ) to remove the XXXX. My parents already paid that loan off and we don't owe them a XXXX. For them to attempt to collect XXXX that they are NOT owed should be criminal. They didn't even know about the XXXX until my closing lawyer contacted them about it. I've made several attempts to resolve this but they keep saying they'll contact me back and then just don't. If they don't remove this unjust XXXX that should have been removed over 10 years ago. I will lose the sale and my inherited equity due to the foreclosure.

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 2022-11-21 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: LEXISNEXIS
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
Experian is reporting that I owe XXXX XXXX XXXX in the amount of {$2100.00} as of XX/XX/. I dont have any business dealings with collections agency, hence this is incorrectly being reported. I pay XXXX  directly and I have documentation that shows I send payments directly to 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 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sirs, My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). 
I address you with regard to the XXXX payment transaction that has been made on XX/XX/2022 and is currently on hold since XX/XX/2022 by Bank of America, please see the full details below. 

On XX/XX/2022 we received a compliance request from the correspondent bank - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX with the inquiry of a detailed purpose of payment and relevant invoice. We replied to this request on XX/XX/2022. However, by now the payment has not been either returned to the debtor bank, or proceeded further to the beneficiary, while the said goods have been already shipped from the XXXX supplier to the XXXX  customer. 

Please kindly check the current status of this transaction and arrange to refund it to let us settle this matter. 

Thank you for your understanding and cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
XX/XX/18 I called american express to get new card. They had a deal so I got one I had a old american express card which I had for 14 Years. Guy on phone Specifically told me if I close the old one that it wouldn't effect my Credit score because the new one would be the same account number. I asked 3 separate times I told him I was a member for 14 years and wanted to make sure that it stayed that way. He said Specifically that the account stays the same only difference was new card number. Said I wouldn't be affected and now more score dropped XXXX Points do to misinformation. They have it recorded and are opening a internal investigation. Issue is as a consumer I now have a tanked XXXX XXXX due to mis information by there Customer service team. The told me I can try to get reinstated, but im past the 30 days and they want to rerun a hard inquiry and can't guarntee that they reinstate. This is a HUGE problem and credit fraud on there end I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am trying to close my debit card account and Bank of America will not close it. 
I received a letter from BofA dated XX/XX/2022 stating the agreement terms and fees had changed. It says " if the Agreement and the Fee Disclosure are not acceptable to you, you must call or write us within 21 days after the date of this letter and request that you close the account. '' I called BofA on XX/XX/XXXX to close the account and was told they would not close the account. I asked to a speak to a supervisor and they also told me they would not close the account. I read the letter to them to confirmed it was a valid legal letter from BofA and they confirmed it was. They said they could add my name to a list to send to another manager to see if anything could be done, but not to expect anything until after the holidays. 
This feels like fraud to not let someone close an account and force them to new terms after sending a letter saying they can close the account. 
Additional info : This debit card account is associated with the XXXX XXXXXXXX and was originally opened over 10 years ago when I was had unemployment benefits. There has been a XXXX balance for years and I do not use card at all. XXXX says I need to contact the bank, and BofA says I need to contact 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 2022-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NC

Complaint narrative:
XX/XX/2022 To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability.

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 
I have not placed requests for credit with the below organizations and have no active trade lines with them.

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 2022-11-21 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: OH

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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States :

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