vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dispute of Negative Credit Score Due to Late Payment Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a negative credit score entry on my credit report, specifically related to a late payment that occurred due to a technical issue. I kindly request your assistance in investigating and rectifying this matter. 

Account Information : Creditor : Bank of America Date of Late Payment : XXXX Explanation of the Situation : On the date, I encountered an unexpected technical issue that caused a delay in the processing of my payment to Bank of America I have been a responsible and punctual customer with an otherwise exemplary payment history, as can be seen from my credit report. However, due to this isolated incident, my credit score has been negatively impacted. 

Resolution Attempts : Upon realizing the issue, I immediately contacted the customer support department of Bank of America to explain the situation and rectify the matter. They acknowledged the technical glitch and expressed their apologies for any inconvenience caused. Furthermore, they assured me that the late payment would be adjusted, and the negative impact on my credit score would be reversed. However, despite their assurance, I noticed that the negative entry remains on my credit report. 

Supporting Documentation : To support my claim, I have attached copies of relevant documents, including correspondence with Bank of America regarding the technical issue and their promise to rectify the situation. Additionally, I have included any other relevant documentation related to my account and payment history. 

Request for Investigation and Correction : I kindly request that you conduct a thorough investigation into this matter and make the necessary corrections to my credit report. As an individual committed to maintaining a strong credit history, this negative entry inaccurately reflects my financial responsibility. I trust in the integrity of your bureau to rectify any errors and ensure the accuracy of my credit report. 

Conclusion : I would appreciate your prompt attention to this matter and a timely response regarding the progress of the investigation. Please inform me of the steps taken and provide an estimated timeline for the resolution. If additional information is required from my end, please do not hesitate to contact me. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this dispute. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-05-17 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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:
I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. Please remove the following unauthorized inquiries. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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 strongly implore you to take immediate action and eliminate these fraudulent accounts from my credit report without any delay. I want to emphasize that I did not authorize or initiate these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
I AM NEVER 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 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
After multiple attempts to resolve an issue with a gym membership, my information was sold to Aldous and associates have stated I owe a balance and have not contracted with this company. 
Aldous and associates have obtained my personal information from a company without consent of the consumer in order to sell personal private information in order to ruin my financial reputation. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
Credit Bureau : TransUnion False Account : XXXX Collections Account Number XXXX I called TransUnion XX/XX/2023 and sent US Postal Mail XX/XX/2023 XXXX get this account deleted that's showing on my credit report, this account is violating several XXXX codes and needs to be deleted immediately after you have reviewed this account. 

( TRANSUNION DID NOT TAKEN ANY IMMEDIATE ACTION DESPITE THE U.S CODES THE ARE OBVIOUSLY VIOLATED ) This account is violating 15 usc 1681 I understand that whatever is furnished upon any credit report shall be accurate and fair.

Also this same account is violating 15 usc 1681g, i also understand any reporting agency upon request clearly and accurately disclose to the consumer any and all information regarding anything on a consumer account. 

Lastly I do not remember giving anyone permission to collect or furnish this account. 

Under the FAIR CREDIT REPORTING ACT, I am requesting the deletion of this account for clear reasons of these violations. 

If i look at my credit report I am supposed to have the proper information of correspondence like phone number, address, or other methods to contact the alleged creditor or collection. This ignorance of the law is not acceptable. I am calling in today to bring awareness and attention to this matter.

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 2023-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Complaint regarding Chase Bank 's Misleading Practices and Unfair Treatment I am writing to file a complaint against Chase Bank regarding their misleading practices and unfair treatment. I was provided with incorrect information by Chase bank when I opened a savings account on XX/XX/2023, which resulted in me missing out on a promised {$900.00} bonus. Here are the key points of my complaint : - False Advertising : Chase bank email advised me that I could open a savings account and receive a {$900.00} bonus.The condition was to deposit {$15000.00} within 30 days of opening the account and maintain it for 90 days. However, XXXX later informed me that the money had to be deposited XXXX days right after opening the account, they just refuse to recognize the 30 days time frame. On XX/XX/XXXX, my account surpassed XXXX, so I suppose to receive the bonus 90 days from XX/XX/XXXX, however, the customer service insist I will not and they start to count the time on XX/XX/XXXX. 

- Inadequate Customer Service : The customer service lead, XXXX, refused to provide any further remedy or resolution. 
Despite my explanation and concerns, XXXX continuously assured me that I would not meet the requirements for the bonus. He also refused to further escalate my case. 

- Unfair Interest Rate : Chase bank did not offer a fair interest rate on my savings account. 
I did not receive a competitive rate compared to other financial institutions. During the time of my saving deposit, I have only received a interest payment of XXXX USD. 

- Opportunity Cost : By keeping my money with XXXX for the required XXXX period, I incurred an opportunity cost. I could have invested the funds elsewhere, potentially generating a better return on investment. 

I find Chase Bank 's practices to be deceptive, resulting in financial loss and a lack of trust in their services. I believe that these practices violate consumer protection regulations and request that the XXXX XXXX XXXX XXXX investigate this matter thoroughly. 

I have attached any relevant documentation and evidence to support my complaint. I would appreciate your prompt attention and assistance in resolving this matter. Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
As it appears on my credit report there are XXXX accounts that have not been proven to be owed by me. These accounts are shown as : XXXX ) - XXXX XXXX on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX reported on XX/XX/2022 by Unifund  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USXXXX 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I opened an account with XXXX XXXX via XXXX for a credit card in XXXX. My credit report shows that I missed or was late on a payment in XX/XX/XXXX and I have tried repeatedly on the phone through XXXX XXXX through and XXXX XXXX and at the latest as of today, on the phone with the supervisor to get that Corrected. I was never told in all my investigation that this was for my XXXX account and not my XXXX account. I am suggesting that XXXX XXXX has been unable to verify which card Ive been calling about and therefore that there is bank error in reporting. Ive never missed payments. My entire credit report shows zero late or missing payments. Other than this one that is allegedly reported. 

Today XXXX when I called the credit reporting division of XXXX XXXX who says he is the supervisor says there is nothing he can do about it. I am suggesting the one issue on my entire report could potentially be a bank error and have asked to have it removed as I am current and have no other Late payments in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Ive attempted to have this account disputed from all three major credit bureau 's. Ive never attempted to obtain any financing from Sun loan, nor have I ever applied for or received any type of loan through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance 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 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
PennyMac evidently will hire anyone off the street if they can recall the alphabet. That said, I have been chasing them for a week to update my home insurance policy so that they can do an escrow analysis and correct the monthly mortgage payment. 

It doesn't matter if you call or send a message through the portal, the response you get is from some maladjusted incompetent employee who absolutely FAILS to read your message then sends you some idiotic auto template that has nothing to do with the request. 

I am sick of PennyMac in general as are most of their customer base, but, If this is not straightened out within 30 days I will get another outrageous mortgage payment bill that will be incorrect simply because they don't know how to do their job. 

The issue : my homeowners insurance increased The solution : I bound a new policy with a better rate PennyMac 's Insurance Dept are incompetent. The only thing that they need to do is update and do a new escrow analysis. 

I am sick and tired of bouncing back and forth with their incompetent reps and need this resolved. I have requested a manager to respond THREE TIMES and this is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/23, an individual tried to send me money, same person/card that was used when XXXX refused to issue me money from a transaction with a valid reciept yesterday. 
Today paypal refused to send money to this email address. ( XXXX ) They said his bank was refusing the transaction " because there were too many transactiins of this amount on his card '' They put a fraud alert on HIS card. He went to his bank. They removed the alert, they tried again. Still failed. 
They are ruining my business by relentlessly harassing my customers.

Company response to consumer: Closed with explanation