vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX I asked an insurance company, XXXX, to prepare a proposal. On XXXX, Salesperson at XXXX XXXX XXXX talked to me on the phone to present the underwriting documents and payment schedule. On XXXX XXXX agreed to withdraw a monthly statement amount of {$30.00} for 12 months. The agreement was also to allow a one-time fee of {$50.00} to add two properties to the Invoiced monthly statement, aforementioned. The payment receipts do not match the binder proposal, and the last document valued my property at XXXX, so I asked for an explanation for the overcharges. The Salesperson at XXXX stated I was paid in full on XXXX. I complained to the manager that the Salesperson refused to supply documents to back up the claim that the account was paid in full, since my online account showed a different, smaller amount was charged and claimed I would still be requied to make future automated monthly payments. I received a call back on XXXX from XXXX XXXX who asked me to stay. I said I was not accepting the proposal due to the company refusing to provide a payment receipt or paid invoice which reflected the proposal, and had given them another request for updated documents. The company sent the old binder to me, even including the payment receipt for one draft payment. I contacted JP Morgan Chase regarding there were 2 ACH withdraws pending on XXXX, one unauthorized charge was there, and one charge for a random dollar amount that I refused payment for. Chase is hanging up on my calls and will not accept my document uploads. Chase is requiring a 'fax ' of documents, old technology I don't have access to. Chase recommended I call a local banker, but the local banker hung up on my calls, and refused to allow me to send proof of that I and XXXX no longer have a contract and their website says cancelled, but they have generated documents for Chase that says they plan to take out more payments in XXXX as well as leaving the insurance coverage as 'deleted ' on the account. They deleted the contract online and they are holding my banking ACH open for transfer without any payment amount or schedule. If they don't steal it from Chase then they will go after my credit score with possible credit bureaus obtaining false reports and gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

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 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-10-08 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: TX

Complaint narrative:
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and update from my credit report. 


XXXX. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX I did not authorize this account please delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inaccurate information from my credit report.

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 2022-10-08 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX *** 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.

Under U.S Code 1666B Billing error.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
I was evicted in XXXX for paying my rent late. It was at XXXX XXXX. Public housing. The time that I lived there the Apt had mildew and the XXXX did nothing about it. I was late on my rent XXXX  times. Each time they put an eviction notice on my door. The first XXXX I payed my rent and was allowed to pay. That is on my credit report. XXXXXXXX XXXX XXXXXXXX is the collection agency and the time has run out to collect. They just put it back on my credit report and I want it taken off. If I contact them it will start the process over. I left a XXXX XXXX abusive relationship to live in mildew. I didnt know until I went to court that I could have filed against her to take care of it. I used legal aid and they never told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Loan # XXXX I recently got a mortgage through Truist and since closing, the process has been nothing short of a nightmare. I attempted to setup online access to manage my mortgage but the bank locked my loan account and forced me to go to branch and meet with a banker to setup an online account, so I wasn't able to setup the account myself or properly enter my information and build my personal profile and contact info. I had to call the bank numerous times and spent hours on the phone trying to get the hold on my loan number lifted so I can setup my online access but started to realize that their support operations are nothing short of a joke and their information systems are poorly designed and works very well against customers instead of making their life easier. After going to a branch and setting up the account, I was finally able to login to my account where I was surprised with a ton of wrong information on file related to me and my mortgage. For starters the bank had the wrong homeowners insurance policy information on file and so I had to get on the phone again and waste another hour to get that fixed and after uploading the proper policy documents, I still see the wrong policy information on my online banking. Another issue I ran into is that my physical address under my personal information has a typo that the bank made not me, and when I called to get that fixed no one offered to help and simply asked me to go to the branch to get the bank 's mistake fixed because of the some XXXX  reason about not being able to verify my phone number even though I provided the useless agent helping me with two phone numbers that the bank has on file and he confirmed that the two numbers are listed on file so not sure why he didn't want to help and fix the bank 's error. If this is how the bank treats customers that just borrowed XXXX of XXXX  of dollars, then I am surely in for a rough XXXX  year relationship and already regret going with Truist as a mortgage lender.

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 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX I woke up to my car gone and when I checked my phone somebody had emptied my bank account. I ended up finding out it was my childrens father and immediately called the police. The police came to my home but after talking to them, I was told that me and my childrens father was common law married and that it was a civil issue. They did not furnish a police report. I called Bank of America when they opened and explained to them what happened but since I could not furnish a police report, they closed my account and reported me as fraud. Something I was not aware of until last year. So I contacted XXXX XXXX police and asked if they could provide me with the original call for proof that I did call the police. They furnished this report I am attaching. I have reached out to Bank of America and also chexsystems so that they can remove this negative item but they have refused. They are illegally providing information that is untrue and has been proven to be untrue. Im also receiving the original call recording for that day.

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 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is sending texts to my cellphone ( XXXX ) looking for " XXXX. XXXX They are spoofing my own number ( so it appears that the text is coming my own phone ). I am not XXXX, I do not know anyone named XXXX. I do not know anyone that owes a debt to a XXXX Credit Card debt. 

I have called twice ( XX/XX/XXXX at XXXX and and XX/XX/XXXX at XXXX XXXX ) to resolve this, they claim they would stop contacting me but have continued to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Original Creditor : XXXX XXXX  Merchant Name : XXXX  Original Account Number : XXXX Current Servicer : Midland Credit Management , Inc XXXX 
MCM  Account Number : XXXX Current Owner : Midland Credit Management , Inc . 
Current Balance : {$2100.00} I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account and is not mine. I am not liable for this debt and I do not have a contract with this company. I also filed complaint with the XXXX XXXX XXXX. I have contacted this company multiple times to inform them this account was fraudulently open due to Covid-19s scams and frauds. This is not my account and I want it removed of my credit report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXA Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 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: MO

Complaint narrative:
This is NOT a Duplicate Report and this is NOT filed by a 3rd Party or Credit Repair company. The accounts below have violated my rights In accordance with the Fair Credit Reporting Act XXXX. I have all rights to privacy and I didn't give written consent to furnish these accounts on my credit report. 

Account XXXX : XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX NA Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account # XXXX 15 U.S.C 1681 Section 602 A. states that I have a 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 consent.

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 2022-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: VA

Complaint narrative:
I received notification yesterday, XX/XX/2022 that I have an XXXX XXXX XXXX account that has passed into collections for the amount of {$1100.00}. 

I called the debt collector ( MRS ASSOCIATES, ) informed them this was identity theft, and they told me to do the following : 1. ) File a police report ( done. ) 2. ) Let the company, XXXX XXXX XXXX XXXX, aware of the situation. ( Done. ) 3. ) Email them with confirmation of these. 

I have completed these steps, and also put a fraud alert on all three major credit bureaus. 

I have never had an account with XXXX XXXX XXXX  XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08 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: CA

Complaint narrative:
account number # XXXX XXXX  attached is what XXXX and equifax is reporting ... if they both get their source from XXXX  then why are they inaccuracies on the report .... 
DATE LAST ACTIVE XXXX XX/XX/XXXX WHILE EQUIFAX XXXX BALANCE XXXX {$7400.00}, WHILE EQUIFAX XXXX 
LAST PAYMENT XXXX XX/XX/XXXX, WHILE EQUIFAX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2022 I was held at gunpoint and was forced to give up items and information such as my credit card, my debit card, the pin to both, my wallet and also my phone. So of course for my safety I gave up those informations. I called bank of america because the very next day I see that those individuals used every single last dollar out my credit line so I disputed those transactions for the amount of {$440.00} and the claim was submitted XX/XX/2022. I asked for my card to be expedited because I had to go out of town that same week so I needed that card in my hands quick and not laying around anywhere. The day my card was supposed to come I noticed that it wasnt in my mailbox like it said it was on XXXX and I was quick to check my transactions once again and I noticed those same credits that I was reimbursed for was taken once again and I didnt have the card with me so I filed another dispute. Same thing I asked for the card to be expedited once again and same thing the day of the delivery it wasnt in my mailbox and once again checked my transactions and saw the credits was still being used once again. This happened 3 times and I reported it 3 times. This is most likely happening because my mailbox is out to the open and broken. 4th time I finally got my card in hand because I waited outside the whole day to see where is my card because I could not lose it again and I was trying to purchase a box of pizza for {$5.00} and it was being declined over and over so I went to check my account and saw all the credits that I was reimbursed for the 3rd fraud dispute was declined and taken right back. So now Im done to {$0.00} in credits and I spoke to a representative at Bank of America and was told theres basically nothing they can do if its been declined and I keep telling them all this purchases was not me and that I havent used my credit card since the first week of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

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

15 USC 1681 SEction 604A 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 late 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 2022-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I contacted Comenity bank at XXXX on XX/XX/XXXX advising I was being charged interest when it was supposed to be a promotional period. Comenity took over from XXXX for the XXXX extra points card in XX/XX/2022 and I have had nothing but problems since they took over the account. There was supposed to be a promotional period for each box office transaction for tickets for the XXXX over {$250.00} for six months no interest ( please see attached photograph from the website ). The bank has not held true to the published statement, nor have they responded to my complaint filed on XX/XX/XXXX. I was advised on the call on XX/XX/XXXX that the interest that was charged in error would be removed and the promotional period would be in stated. Neither of these actions has taken place, in fact you will see where the XXXX XXXX and XXXX statements all show interest being charged even though I have complied with the requirements for the promotional period. I called Comenity again on XX/XX/XXXX and was advised that nothing has been done with a complaint, they have 60 to 90 days to respond to that complaint, and I just need to be patient. I advised them that it had been 60 days at that point and I still have no resolution nor have I received any correspondence from them with the exception of my statements. I would like all of the incorrectly charged interest payments to be removed from my account and all balances that should be applied to the promotional accounts applied correctly. My call reference from XX/XX/XXXX call when I spoke to XXXX is XXXX, and in that conversation I advised I would file a complaint if I did not hear anything back from them by Friday, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief