vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint has to do with an auto loan through Bank of America. On XX/XX/2021 we paid off our auto loan due to Bank of American in the amount of {$2800.00}. Bank of America also deducted our auto payment on the loan the same day in the amount of {$360.00}. A paper check was issued in the amount of {$370.00}. On XX/XX/2021 our account became overdrawn because Bank of American withdrew another {$370.00} for the auto loan which was paid off in XXXX. After a phone call the money was electronically returned on XX/XX/2021 and we were told the electronic payment was turned off. On XX/XX/2021 Bank of America has again taken {$370.00} from our account. We no longer have a loan and therefore do not owe the bank any money. The bank is now holding our money claiming that the burden of proof is on us to demonstrate we have not received the money. We can not get them to release the funds back to us or agree to repay the money. We have no account with them whatsoever and they have illegally taken money from our account. We need assistance.

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 2021-11-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX, Equifax, and XXXX are companies that comply and maintain files on consumers on a nationwide basis. 

As a direct dispute, I sent letters to XXXX, Equifax, and XXXX in regard to identity theft by XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX on XX/XX/2021. 

As a consumer, I have identified the tradeline accounts from XXXX XXXX XXXX  XXXX, and XXXX  XXXX XXXX XXXX as identity theft, in which each consumer reporting agency ( XXXX, Equifax, and XXXX ) should have removed no later than 4 business days after the date of receipt. XXXX, Equifax, and XXXX  have yet to remove these accounts from my consumer report, as it has been well over 4 days. 

I have provided each consumer reporting agency with proof of identity, a copy of an identity theft report, and a statement which are included in the exhibits attached. 

Pursuant to 12 CFR 1022.43 ( e ), a furnisher must conduct a reasonable investigation of a direct dispute if it relates to a consumers liability for a credit account, such as direct disputes relating to whether there is or has been identity theft against the consumer. A furnisher must review ALL relevant information provided by the consumer. 

XXXX XXXX XXXX  or XXXX  XXXX XXXX XXXX must conduct reasonable investigations and they must clearly and accurately disclose information to my character, general reputation, personal characteristics, and mode of living. 

This investigative consumer report must be 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. 

With the information that these corporations receive from the personal interviews, this information shall not include specific factual information on a consumer 's 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. 

I should have received a written letter three days after the date on which the report was first requested, including a statement informing me of my right to request the additional disclosures. I have not received any update or disclosures from any consumer reporting agency, nor XXXX XXXX XXXX, nor XXXX  XXXX XXXX XXXX. 

XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX have not complied with federal law by maintaining reasonable procedures to avoid violations. I believe and have reason to believe, that XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX need to be held liable for their actions, or lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CA

Complaint narrative:
The day of XX/XX/XXXX of this year 2021, the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX run my credit report without my authorize and I got a notified inquire on my credit report TransUnion. I already contacted TransUnion report and let them know of the inquired, they give me a file number 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 2021-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit card company says that I was late on a payment but I was not based on records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: GA

Complaint narrative:
Report inquiries I havent applied for contacted Equifax and explain to them I have a FTC report number XXXX of fraudulent activity XXXX XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX  XXXX XX/XX/XXXX inquiry date XXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olson Associates PC
State: UT

Complaint narrative:
Back around XXXX of 2019 I had XXXX, no insurance at the time. About a year ago that debt was sold to a different company and they started saying that they were sueing me. No warning They didnt hand me papers but they handed to one of my roommates I then tried to work with them and they continued to add fees we settled with my first payment and they told me they wouldnt add any interest or fees and I continued to make payments I think I may have missed a month or two of no payments and I believe they just added more fees and interest they are being really aggressive and they are trying every way possible to get more money out of me. Its not fair I have a lot going on Im not rich Im poor I have a low income job with a lot of bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Tuesday XX/XX/2021. Someone fraudulently sent me {$1500.00} via XXXX  to my account. Upon calling chase to report this, they had instructed that they froze my account and that I can not withdraw or make any payments. I work for XXXX XXXX and I am on official duty and this has interrupted my ability to pay my rent as well as necessary fees. My transaction history does not show any interaction with this XXXX recipient and when I had asked the bank for this persons details in order to file a police report, they stated that they could not provide that to me. My account is now inaccessible and being that its my only checking account, this has led to financial setbacks. Please notify chase to release my funds and that Id like to close the account in order to avoid this issue from randomly repeating itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 American Express sent me an email telling me that I was approved for a XXXX XXXX  Card ending in XXXX. I then called American Express and asked that the card be canceled immediately. 

After a labor-intensive call which took time to get past the automated voice reception, then 3 successive service technicians, I was able to get the card canceled. I subsequently received an email confirming the card cancellation. 

However, 6 days later on the XXXX of XXXX, I received an email stating, Your new card ending in XXXX is on the way. I found this to be a problem because I had not reordered the card since I canceled it. I did not see why It was being resent. 
So, again I called the labor intensive American Express automated voice service and then to the technician progressive steps. This is an extremely frustrating experience for me because of the lack of compensation for the time it takes. I am an extremely busy man. 

I asked the service tech to again cancel card ending in XXXX. She said, it was already canceled. I then asked why am I receiving second email stating that the card is being sent. I then again requested that the card be canceled. The service tech said it needed to be forwarded to her fraud department. 

This is taking far too much time for me. I did not reorder the card. AME sends emails that are one way meaning, I am not able to reply to them as they say do not replay. Instead, what they demand is that I go online and log into an account and communicate at their server, then wait days for replies by visiting the online server again. This is not acceptable as it again laborious and time consuming. 

This is not a difficult issue. Cancel the card and do not resend it. Just that simple. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made a large purchase on my chase freedom cad with the intent of using Chase Pay. According to the program, I can enroll the large purchase in a chase pay payment plan as long as the amount is over {$100.00}. Well my purchase was {$2900.00}. Ive called 6 times to get this resolved and no one is helping me or telling me that it will be available. My payment is due on XX/XX/21 and Im trying to get this resolved before making a payment, because if I do make a payment then the charge will be ineligible for chase pay payment plan. I need someone from Chase a senior specialist to assist me because the last 6 customer service reps have been XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was in forebearamce due to covid. I never received documents relating to modification. I have tried and they have taken payments but send back refund because they want entire balance due. I have tried repeatedly to speak with home preservation representative but has not emailed or called back. You get misinformed & misinformation relating on what to do about loan. I have tried to tell them I was in forbearance & have a FHA loan but not trying to work with me even though I have tried to make payments. They sent a package to answer questions relating to ability to repay on XX/XX/XXXX but say I must pay over XXXX by XX/XX/XXXX. I can pay monthly mortgage but I dont have XXXX. Please help!!!

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 2021-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?

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 2021-11-05 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: TX

Complaint narrative:
I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TX

Complaint narrative:
I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?

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 2021-11-05 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy was not deleted from my credit report. 

Additionally, XXXX has publish documentation on their website confirming that they provide your company, Transunion, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file.

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