vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX on account ending XXXX Chase bank sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked XXXX to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from chase bank stated that this account is payed in full so there must be a glitch XXXX system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I contacted this company in regards to a Bankruptcy they are reporting on my consumer and XXXX XXXX report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I contacted this company in regards to a Bankruptcy they are reporting on my consumer and XXXX XXXX report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
SPS keeps dancing around the issue and the truth is not being told. 
SPS keeps going back to proof of income for XXXX  job I submitted this many times and each time they wanted something different, I never withdrew always resubmitting per there request. Finally on XXXX XXXX a rep from sps kept me on phone for XXXX mins and talked with underwriting about exactly how they want PT income letter written which was done. On XX/XX/2022 a rep called and said verbatim, SPS WOULD EITHER DO A RATE REDUCTION OR REDUCE BALANCE BUT PROBABLY WOULD DO RATE REDUCTION BECAUSE THEY WERE NOT DOING MANY BALANCE REDUCTIONS A ombudsman called me and claimed they had no record of my phone calls, SO I SENT PROOF OF THE PHONE CALLS with a copy of XXXX call logs showing SPS talked with me for twenty minutes both times I would like copies of what was discussed during these two long phone calls on the dates mentioned SPS is not telling the truth I WAS TOLD I WOULD RECEIVE A RATE REDUCTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has continued to report derogatory information to the credit bureaus without my consent or permission. This violates my right to privacy and this violates my right to receive access to my consumer credit. Wells Fargo continues to harm me.

I now opt of out all reporting per 15 USC 6802.

Wells Fargo does not have my permission to ever harm me and my family again and shall be held accountable for its actions.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I advised the XXXX credit reporting agencies XXXX TRANSUNION AND XXXX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2023 I advised the XXXX credit reporting agencies XXXX XXXX AND EQUIFAX that this is my THIRD WRITTEN REQUEST asking them to remove or correct unverified, inaccurate reporting accounts listed on my credit report which is negatively remain on my credit report in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated in writing that they verified that these items are being reported correctly. I provided proof of inaccuracy. yet still nothing got removed or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I needed roadside automotive assistance. The company that was dispatched to assist me, " XXXX, '' informed me that I needed a new car battery, which they provided at a charge of {$220.00}, which I placed on my Citibank Mastercard. XXXX  verbally promised that documentation ( proof-of-purchase and warranty ) would follow. These were never received despite two voice messages left with XXXX in XXXX, as well as text messages left with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Meanwhile, I began to have problems with the new battery, and being unable to reach XXXX, I called the battery manufacturer, who informed me that, based on the serial number provided, the battery was likely not new but rather a " salvage, '' taken from a junked  car and cleaned up to look new.. 

XXXX has no physical presence ( no store, no office ) so I can not return the battery to request a refund and, as noted above, they have not responded to my texts or voice messages. 

I therefore contacted Citibank Mastercard on XX/XX/XXXX to request to dispute the charge. I spoke first with a representative, " XXXX, '' and then with a supervisor, " XXXX. '' Both refused to accept my dispute on the grounds that I still have the battery; according to them, I would have to return the battery in order to dispute the charge. I pointed out that XXXX has no physical location and has not responded to my texts or voice messages and asked how, in the circumstances, I could possibly return the battery. They had no answer, but told me that this was " Mastercard rules ; '' when I asked what more I could do, or they could do for me, XXXX replied " nothing. ''

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 2023-12-10 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
As the XXXX XXXX the credit reporting agencies are reporting inquiries on my personal credit report that I not for personal credit request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
As the XXXX XXXX the credit reporting agencies are reporting inquiries on my personal credit report that I not for personal credit request

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I got an apartment in my son 's name in 2019 due to me having a broken lease on my credit report because my mama died in 2019 and I had to break my lease to go and stay with my elderly dad who can not care for himself. I then found an apartment that the manager assisted me with using my son 's name to get me approved for an apartment that she was managing. She said it was okay to use someone else name to get into the apartment complex. I had been living in the apartment for years until the manager allowed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was very frightened. I then moved out the apartment and left a balance with the apartment complex due to me having to relocate. The XXXX of the complex refused to let me take care of the debt and turned the debt over to the NATIONAL CREDIT SYSTEM in my son name. Me and my son has tried to contact the NATIONAL CREDIT SYSTEM to take care of the matter and they are refusing to speak to me. Now he is having issues getting a home or apartment and it is not his fault and the manager of the complex told me it was okay to use my son name to get the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
As the XXXX XXXX the credit reporting agencies are reporting inquiries on my personal credit report that I not for personal credit request

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
ABSOLUTE RESOLUTIONS IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT.

15 USC 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates you are also in metro 2 violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit 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: GA

Complaint narrative:
I was transferring money from my XXXX XXXX checking account to Bank of America to be ready for a big withdraw, which I was not sure the amount, so I was sending it over XXXX weeks to build up a balance. 

I got a text about XXXX of the transfers and confirmed via text. I thought this text was about the transfers I was making into the account so I confirmed. 

Come a couple of weeks later I have the withdraw coming in and I go to check my account and there is no money and the withdraw fails. 

I locked my card and called BoA and they put in a transaction dispute for a merchant that as soon as I put money in would empty the account ( that's what it looked to me ) Bank of America refused to provide provisional credit and said the investigation is due to close on the 10th day, which is conveniently when by law they have to provide me the credit for the dispute. 

I have two other dispute pending with them for around {$300.00} they did give me credit, and that was due to their own incompetence for giving my credit info to a blocked merchant TWO TIMES after I had issues with said merchant and they " blocked '' the merchant. 

So to me it looks like they will not give me credit for the dispute and are looking to close the case against me, possibly because of the two other disputes I already have, which was THEIR FAULT for giving a blocked merchant my new card info. 

My account over drafted and i have about {$1500.00} missing and bank of America does not care. 
Going by the last two dispute they may as well give my new card info to the merchant that my compromised card was used to take over {$1500.00} usd

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 2023-12-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Whenever I get an Amex gift card I can never use it anywhere online and it is very frustrating! I cant use to on food, XXXX, XXXX, none of that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: UT

Complaint narrative:
Square has prevented me from deactivating this account. As they declined and blocked my ability to use payment processing due to reporting fraud and identity theft from a previous account that occurred. This account was basically useless without having any of the core features needed for my business. Therefore I wanted to close or deactivate this account. Its preventing me from being able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Capio Partners, LLC
State: NC

Complaint narrative:
per fcra as a federal consumer a charge off is a certificate of indeptness income is not supposed to be reported must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I got a letter in the mail saying that after careful consideration it was decided that my credit card account was being closed because of my association with a chase credit card, deposit or investment account that was previously closed. I do not have any other accounts with chase that could have been closed or any association. On the letter it says if you have questions to call the number provided. When I called the number they said they could not tell me reason that my card account was being closed. I asked if I could speak to someone else that could tell me and the operator told me that no one else would be able to tell me either. I have not been late on any payments and am really confused. If I did something wrong Id like to know so I can make sure to not do the same thing in the future, but I have no idea why they are canceling my card and can not get an explanation. Im a little worried that this is somehow a scam because it doesnt really make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
From XXXX XXXX XXXX Dear Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of several hard inquiries from my credit report. I recently reviewed my credit report and noticed that there are multiple hard inquiries listed, which I believe are negatively impacting my credit score. I believe they are as a result of a data breach at XXXX. 
I understand that hard inquiries occur when a potential creditor or lender checks my credit report as part of their decision-making process for granting credit or loans. However, I have reason to believe that some of these inquiries may have been made without my consent or knowledge, and this fraudulent in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the following hard inquiries be removed from my credit report Please note that I have also disputed these inquiries with the respective creditors or lenders and have not received any satisfactory response. 
I understand that the removal of hard inquiries is not always possible, but I hope that you can help me resolve this matter. 
I would like to request that you respond to my request within the next 30 days, as per the FCRA.. 
Please remove these inquiries as soon as possible so that I can maintain a good credit history. 
Thank you for your prompt attention to this matter. 
I appreciate your cooperation in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/ Status Collection account. {$910.00} past due as of XX/XX/. 
Status updated XX/XX/ Balance {$910.00} I filled a police report with the XXXX XXXX last year about this theft that is not mine. The XXXX XXXX office number is ( XXXX ) XXXX. They reapplied the charge and I want to remove the charge from my credit 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