vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I have not now or never tried to open up a bank account with Bank of America yet it shows a hard credit check on my account. This was not done by me Or for me by anyone

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 2022-08-17 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: TX

Complaint narrative:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Prince Parker & Associates
State: CA

Complaint narrative:
There is an account reporting on my XXXX XXXX credit profile that does not belong to me. I do not have att service nor have I ever had att serivice. Someone has opened an account without my knowledge the account is listed from PrinceParker from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has reported 3 accounts in my name which I have never owned. I don't have anything else fraudulent that could indicate identity theft. I have never lived in Texas or had direct family living there. 

I have disputed the information twice with Experian and they say they have verified the validity of the account, I don't see how they can if I have never opened these accounts. Do they just go by the world of the creditor? The creditor should have to prove that I really did open the account. I have never even lived in Texas!

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Ive paid my Navient loans for approx 20 years with no delinquency. I was informed my email and on FSA site that all loans were in forbearance until XX/XX/2022. 
I was noticed by XXXX credit secure that my credit was showing delinquency. Upon investigation Navient submitted a delinquency to XXXX an XXXX without notifying me. This occurred on XX/XX/2022. 
According to The Fair Credit Reporting Act, I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited XXXX dollars into atm in XXXX XXXX at bank of america on XXXX. I inserted cash into atm and it started counting money and then computer screen froze and shot out my card and didn't get a receipt or anything .so I went into bank and told the manager and they said you aren't going to like my answer but I have to call claims .so I did and they said it can take up to 45 days to receive my money .it was cash it should be available right away .my bills are going to cause my account to be overdrawn and they don't seem to be caring

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 2022-08-17 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: TX

Complaint narrative:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-17 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: TX

Complaint narrative:
I have reached out to all of the Credit agencies And they said everything was accurate but upon my investigation and research theres nothing consistent or accurate. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. 

In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. 

I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. 

I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There is a hard inquiry on my report that there doesn't seem to be a record of with the consumer. I reached out to Best Buy credit card dept and CitiBank and neither have record of my SSN ever being in their system however, XXXX is reporting as though it has. XXXX can't remove it without paperwork from Citibank Best Buy and Citibank Best Buy tell me they can't provide anything because I am nonexistent in their system.

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 2022-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am reaching out in desperation about my incredibly bad experience with Chase Auto Finance. 

I purchased a vehicle off of lease. That's where the problems began. 

I was in the process of moving, so I told them to send the paperwork and registration application to my new XXXX address... 

Chase made an error and sent the paperwork to XXXX with a XXXX form filled out. That was not useful for XXXX registration purposes at all. 

A local XXXX Chase Bank branch manager tried to help. She made phone calls and gave me an overnight XXXX envelope to send to Auto Finance with instructions for them about how to do this properly, along with a prepaid return envelope to send it back to me, trying to make this simple for Auto Finance... this happened on XX/XX/XXXX. 

There's no evidence that Auto Finance actually received that package mailed to the address that the branch manager got after making some phone calls to Auto Finance. 

My out of state plates expire XX/XX/XXXX and I'm gone on vacation XX/XX/XXXX to XXXX, so I need to resolve this by XX/XX/XXXX so I can get my vehicle registered properly. 

Through many phone calls, I'm given an estimated completion date of XX/XX/XXXX. No, that's not good enough. 

This is " expedited '' multiple times and put on " rush. '' The estimate then becomes XX/XX/XXXX. They don't understand what " expedite '' means. 

They finally XXXX me something that arrives today ( instead of using the XXXX label/envelope that they never found ). 

That envelope is simply a Bill of Sale. No XXXX form. 17 days later, I am NO better off than I was on XX/XX/XXXX. 

I called to complain and am told now " we don't fill out state registration forms ''. 

Except Chase DID do exactly that previously... but for the WRONG state. They are unable or unwilling to do this properly in a timely manner. 

Without Chase filling out this affidavit of purchase on the XXXX form, I will have to pay {$1000.00} in additional XXXX  vehicle tax because the actual purchase amount is greater than " XXXX XXXX value. '' The difference between the actual price and the value is about {$16000.00}, so, again that additional ( and unnecessary tax ) is about {$1000.00}. 

if we can not get this resolved, I'm going to pursue legal action against Chase even though it's only {$1000.00} in extra tax. I will continue to file complaints with government authorities at whatever levels I can find. 

Please help me resolve this. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the 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 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  Has sold the debit to LVNV funding and both parties are Reporting negative on my credit which is against federal law and must be corrected asap.

Only 1 party can report the debit and that is current debit holder This must be removed from my credit file as a charge off and bad debit even though this was a exwifes credit card and did not belong to me.

I called both credit reporting g agencies and they told me to call XXXX, called XXXX XXXX  XX/XX/22 @ XXXX XXXX  I was told by supervisor it's mot his problem and to take it up with credit bureaus of I have a problem. 
No accountability and this is a violation of my rights granted to me by 15USC1681 part 1through 4 XXXX  XXXX must take immediate action and resolve at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went in to the branch to advise of hold on my account. They advised that there were some attempts made on my spouse 's card and the account is on hold. I was advised to come back next business day with spouse. I came back next business day and they opened a ticket regarding the issue. I was not provided with ticket number, nor proof of what attempts were made on my account. I was not provided with an XXXX on when they would release hold on my account. I have now spoken with branch manager and fraud division and they keep referring me back to each other advising that they do not have the power to release the hold and it should be done by the other entity. I have no access to my money and have no way of paying my bills.

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 2022-08-17 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: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX 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 2022-08-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account, 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 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I had a notification on my XXXX XXXXXXXX that there was a derogatory account with Sentry Credit Inc which was reported on XX/XX/XXXX for the amount of XXXX. I've called sentry Inc at XXXX XXXX XXXX multiple times and they just keep going in circles without giving me a solution. 
The creditor is XXXX XXXX  XXXX where I use to live with my parents back in XX/XX/XXXX. I ended up going to the office to let them know I needed to get out of the lease since I was going to attend college in XXXX. I have the copy of the lease agreement stating it. I went to the apartments but unfortunately the property was sold so they couldn't help me. They took 3 years to report it until XXXX of this year and I wasnt able to fix it right away since I had given birth in XX/XX/XXXX. I really need this to get off my credit score since now I have a family and Im trying to apply for an apartment and unfortunately Im not able to since its has a huge impact on it.

Company response to consumer: Closed with explanation